BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed for a puppy on XX/XX/XXXX. I pod a deposit for the puppy and then the seller wanted the rest of the money and thats when I knew something was up. They seemed legit until that point. I paid {$350.00} through XXXX with 5/3. 5/3 stated that since I authorized the transaction that I will not be able to receive my money back, which I understand but figured there should still be more that can be done. I have photos for proof of the conversation. Just really want some money back if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CL Holdings LLC
State: OH
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/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-10
Company: JPMORGAN CHASE & CO.
State: NJ
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 these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My XXXX account can not be linked with the bank and withdraw cash. I have contacted the customer service representative many times and the problem has not been resolved. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out to XXXX/comenity about a bill i received on XX/XX/XXXX and XX/XX/XXXX. I had been in contact with another bank because I recieved notice that a new account had been openend with XXXX under my name. 

I told the bank I hadn't used the card in years and last time I tried to use it, XXXX had told me it wasn't actice anymore. 

I let them know I hadn't used my card and i didnt make any purchases with XXXX XXXX 's at that time. They told me they'd open a case for the charges. I asked of I needed to do anything on my end like file a police report and they said it wasn't necessary to do that. 

Just recently I received a bill saying the charges will still active and being billed to me. I called the bank back and all they said was their investigator said that XXXX XXXX 's said the card was physically there and the charges were being billed to me. They said they'd resubmit to see of anything comes back different but that they didn't think it would change the results. 

They never reached out to me to verify my picture to see if it matched anything or my signature. They also never contacted me afterwards with anything relating to the fraud case they created.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC System called me regarding my XXXX account which was passed due.During the conversation they told me that XXXX was offering an end of the month settlement in the amount of $ XXXX.I was told that it would only be offered until the end of the month.I happened to receive a check that week so I called to make the payment which was a check by phone.I was told I was paid in full.This happened on XXXX XXXXOn XX/XX/XXXX I went to a XXXX retail store located in XXXX and the Sales Representative told me my account was still showing unpaid.He gave me a number to call.They were closed because it was XXXX XXXX weekend.I called both XXXX and IC Systems on Tuesday XX/XX/XXXX in the morning to clear things up.IC Systems once again confirmed I was paid in full.The person I spoke with told me he would send a confirmation email.When I called XXXX they transferred me to the Recovery Department.I spoke to a girl named XXXX.She said that she would go in the computer and put a note on my account that I was paid in full.That was all she could do.I returned to the XXXX store and met with XXXX who told me my phone still indicated unpaid.He called XXXX and explained the situation and eventually got transferred to the Recovery Department.He gave the phone to me because the woman wanted to speak to me.She was very abrasive and told me that I needed to pay the balance that I still owed or my phone would remain locked.I could not believe that they did not tell me this earlier when I called.Instead XXXX chose to humiliate me at the retail store. 
IC Systems does work hand in hand with XXXX and they even tell you thank you for being a valued XXXX customer when they take your payment.The entire situation was falsely presented and very misleading because they should not tell you that you will be paid in full if you are not and XXXX offered this end of the month special to me.I did not ask for it.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Ive explained NUMEROUS times to trans union that Ive been victimized before with fraudulent accounts using my name to establish credit and  this XXXX/account is an example of this. the credit provider has recognized this and closed the account writing off the balance. I was not even aware this account existed till recently. Trans union has refused too eliminate the account as the company company has., and still reports late payment etc regarding this account which has cost me 50 point on my score. Ive disputed this account numerous times and they still refuse to eliminate this fake account. THIS IS THE ONLY BLEMISH ON MY REPORT WHICH IVE WORKED HARD TO MAINTAIN!!!

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 2021-02-24
Company: Experian Information Solutions Inc.
State: AK
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:
Payment never late. Account is now closed.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed a collection account with Transunion numerous times. The first time, they removed it from my credit report. A few months later, it re-appeared and I disputed it again. This time, Transunion stated they were able to verify the debt. I asked them how they verified it and what proof was given to them and they stated that the collection company stated I owed the debt and that was enough proof for them. After a couple more disputes online with no success, I sent Transunion a letter certified mail with signature receipt disputing the collection account and gave them 30 days from the date of receiving the letter to investigate and remove the negative item. After 60 days of them receiving the letter, they responded with a letter stating that they verified the debt and provided no proof of how they did. On top of that, they went well over the 30 days required by law to complete their investigation or they have to remove the negative item. 

They now refuse to investigate the negative item on my credit report and will not provide any proof of how the collection company verified the debt.

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 2021-08-10
Company: SECURITY FINANCE CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have repeatedly requested verification of this account and have not received anything regarding my request. This company is listing this as a chargeoff on my credit 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 2021-09-01
Company: EQUIFAX, INC.
State: MD
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:
Because of the Equifax credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to obtain my XXXX  int documents. I have been trying to access my account information for CapitalOne 360 all day. When the website finally came back online there is no way to access my XXXX  int documents. The contact phone number states that they are unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions 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:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

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 2019-05-30
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed Individual Account Revolving Account CHARGE ACCOUNT Balance : {$170.00} Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$170.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I understand the XX/XX/XXXX payment for XXXX was returned, because it was not a payment, On XX/XX/XXXX i talked to a rep at CHASE bank he keep asking do you want me to run this payment i said no, this payment is posted for next month not today he could not get it in his head so i talked to case manager her name is Miss XXXX and she said it was canceled but it wasn't. but i did make a payment in XX/XX/XXXX. so the payment for XX/XX/XXXX that was removed should have never been removed because i made a payment in XX/XX/XXXX if i could download my payment history i show it was made. At one point XXXX XXXX said i owed for XX/XX/2018 after several bank statements i think she got it. Every payment was made but XX/XX/XXXX and XX/XX/XXXX, each payment falls behind one so i was behind XX/XX/XXXX and XX/XX/2018 yes they was a return of XXXX in XX/XX/2018. i understand that, this is my payment break down and i can furnish more documents and bank statements and CHASE can go to phone conversation onXX/XX/XXXX and see i canceled that payment for the following month because the rep could not get it right. in XX/XX/2018 i made two payments XXXX and XXXX that went to XX/XX/XXXX  payment, then XX/XX/XXXX payment got returned to me because of change in banking information. then i made a payment in XX/XX/XXXX that went XX/XX/XXXX then i made payment in XX/XX/XXXX that went to XX/XX/XXXX, then i made a two payments in XX/XX/XXXXl that went to XX/XX/XXXX and XX/XX/XXXX, then in XX/XX/XXXX i made payment that went to XX/XX/XXXX with money in suspense to cover parcel payment in XX/XX/XXXX i talked to rep on XX/XX/XXXX at CHASE bank he said i owed as to date XXXX but i had some more in suspense that has not been added. i don't see the problem, the problem i can see the payment being removed from XX/XX/2018 over a mistake a rep from Chase made not me, but a payment was made in XX/XX/XXXX and should be replaced for XX/XX/XXXX,, Chase can talk to Miss XXXX case worker and listen to phone recording and the one in XX/XX/XXXX i don't understand the reason this is not being correctly made to my account, the month i owe for is parcel payment is XX/XX/XXXX i like FHA to look my account over

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase bank bought my Mortgage and then admitted that they mistakenly coded my homeowner Insurance as paid, when it was not. They bought a forced lender policy for XXXX in XXXX of 2015 and one for XXXX less than a year later. Then, after admitting that the Bank was at fault for " human error '', they reimbursed me for XXXX and then after many weeks, another check for XXXX. As far as I can see, they still owe us XXXX but while all of this was being figured out, they took out a third forced lender policy that was in effect for a matter of days and charged us XXXX within the last couple of weeks. This is a violation of RESPA because my Mortgage is escrowed and they were responsible for paying my Insurance. It is my belief that they cancelled the policy on purpose so that they could replace is with an inferior policy that cost five times what my policy was. The only reason they responded at all is because I told them I knew they violated Federal Law. And no they are trying to keep the cookies when they got caught with their " hand '' in the jar. If I were to do this in the general course of things, I would, no doubt, be in jail. I am only asking for what they took from me right now, but I may seek representation, if necessary. Thank you, respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
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:
Experian atill has a XXXX collection that is not reflected in my other 2 bureaus for fico scoring. This is flr a medical bill and this was resolved when i gave them a copy of my insurance 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