BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report there is an account from the following creditor : Account # XXXX PORTFOLIO RECOVERY XXXX XXXXXX/XX/XXXX ( original creditor ) {$3400.00} I am writing to dispute this charge, as I have no recollection of what it is for. I have been trying to contact the creditor for several months in order to obtain proof of the charges owed, including invoices, statements, or any related documentation. Until now, I have not received an answer. 

Kindly look into clearing this charge as I can not obtain any proof that these charges indeed belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account 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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with XXXX, Transunion and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this 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 2021-02-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020 someone went into a chase bank with a fake ID and opened a fraudulent account in my name which In turn allowed them to remove {$34000.00} from my savings into that account. I met with a banker who put numerous alerts on my account and put notes saying to verify with a third for mom of ID. On XXXX XXXX the same thing happened which is absurd since chase bank employees did not do their jobs and allowed this person to come into the bank with the same FAKE ID and open up a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent po report id theft cra violation inaccurate 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 explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2019-07-08
Company: R.M. Galicia, 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 information incorrect

Complaint:
PROGRESSIVE MGMT systems has yet to remove two medical accounts from University XXXX XXXX which is XXXX years old and was the insurance XXXX responsibility to pay and neither progressive mgmt nor XXXX showed XXXX or me how they arrived to the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: MI
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 was incorrect information reported on my credit report. There were two separate loans from XXXX XXXX around {$160000.00} worth of debt. That affects all of my previous loans that were taken out due to income to debt ratio for loans that did not belong to me. Therefore interest rates higher and potentially declined for loans.

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 2019-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Once again JP Morgan Chase Bank reversed charges previously posted to reflect a negative balance and then charge me {$34.00} insufficient funds fees 3 times for a total of {$100.00} On XX/XX/2019 my car insurance XXXX automatically withdrew an electronic payment from my account in the amount of {$210.00}. At the time, my checking account balance was {$1900.00} leaving a balance of {$1700.00}. On XX/XX/XXXX, my life insurance also posted an automatic payment from my account for {$80.00} leaving a balance of {$1600.00}. On XX/XX/2019 another automatic payment from XXXX XXXX XXXX in the amount of {$1500.00}, leaving a balance of {$380.00}. On XXXX XXXX XXXX XXXX  XXXX  posted a second automatic payment in error for the amount of {$1500.00}, leaving a negative balance of $ XXXX for which JP Morgan Chase is entitled to charge me an insufficient funds fee of {$34.00} and should have returned that payment. Instead JP Morgan Chase reversed the car insurance payment and the life insurance payment that I saw already posted on my account to show they came after to then justify charging me {$34.00} three times, They returned the XXXX amount and the life insurance amounts but paid the 2nd amount of XXXX XXXX XXXX posted in error. The second amount was paid to XXXX even though there was a huge negative amount of $ XXXX. I was then charged the third amount of {$34.00} for a total of {$100.00}. I contacted both the car insurance and life insurance companies to verify the dates they posted those automatic payments and they were done on the dates I stated above ( I have the documentation to prove such from both organizations ). I check my account after I make any payments and after I know payments are scheduled to come out, so I am very much on top of my balances. Chase is fraudulently charging these insufficient funds fees to customers because they count on most people not checking their balances regularly. I want those charges removed. I think a class action lawsuit should be made by the banking organization that monitors banks who commit fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: VA
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:
To Whom It Concerns, On XX/XX/2018, Experian completed an investigation that I initiated in reference to inaccurate accounts on my credit report ; please reference Experian report # XXXX. After reviewing the results of this dispute, I saw that they failed to complete a full and complete investigation as instructed by law. Had they done this investigation and not used their " E-Oscar '' automatic system, they would have easily discovered that my dispute was valid ; as a result, I now demand that they provide me with ALL information, documentation, and contact numbers, etc. that were used to conduct their investigation. As per law ( Fair Credit Reporting Act ), I have a right to demand this information and I expect their full compliance with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2019-07-08
Company: Windham Professionals, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
this is regarding an audit, I was having issues getting an audit done which im still currently working on and the company that handles it turned it to collections until we get the amount resolved. XXXX of 2019 I received notice we owed {$9300.00} and I called and told them it was not correct we had some issues to resolve. This place in turn has call my mother in laws house phone not once not twice three times since and each time has told her the we owe {$9300.00} and she needs to let us know to contact them. I understand they do call relatives in certain instances but to tell her the amount owed? That I thought was against the law. Everytime they call and she calls us to notify us they called she tells me the exact amount. I would like to know how we can handle this because I do not appreciate people/family knowing our business. I have not received any other emails for payment but the one in XXXX and yes they have called my husbands phone and i have called myself but never get to speak with her. It always has a voicemail stating email me at this email.

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 2019-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax, I disputed this online, on your website and uploaded my ID at that time. I received an email a few days later saying that they wanted my ID and they wanted me to submit it by fax or mail. I truly don't understand why your system allowed me to submit it online and upload my ID at that time if you were going to in turn ask for the ID a different way. This is a CLEAR AND UNNECESSARY STALL TACTIC and my MY INTELLIGENCE IS INSULTED. I also received an email that my dispute was complete just for you to say the same frivolous rhetoric that you said previous in the 1st attempted stall tactic. I tried to send the documents again to no avail to the fax number provided by your company which failed every time. This is not rocket science and I will not let your company make me perform like a cat chasing his own tail. So, I have decided to file this complaint to get you guys at Equifax to do your simple job of updating my birth year to the correct year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: MO
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 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I stayed at XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018 for a National Conference for my occupation. The Conference was held at this hotel. 

I had a legitimate bill from the Hotel for {$980.00}. However, they also charged me {$1000.00} for the hotel stay of another conference guest that I have never met or heard of. I know the details of the fraudulent purchase because Wells Fargo reported that to me during their investigation. The hotel would not tell me who the person was who made the purchase. The hotel claims they have an authorization from me for that guest to use my card, which is absolutely untrue. I have seen the documents presented to my card issuer ( Wells Fargo ), and it was merely a receipt for which my card info was used. There is no signature of any kind to accompany the card info, or any kind of form that would give my purchasing power to another person. I was in physical possession of the card the entire time. 

Wells Fargo is not willing to overturn the fraudulent charge in my favor, but there is absolutely no legitimate reason for that decision. 

Please help!

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 2019-05-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have used the XXXX services through my bank without a problem in the past but lateley is like XXXX makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight into longer days in the interbanking lending process. Also is sharing that information with other banks On or about XXXX money was send to my XXXX bank account via XXXX using my email address. My Email address is register ( XXXX ) but I learned that on XXXX JP Morgan Chase   intercepted that money. I dont have any accounts at this time with JP Morgan chase. The money send to me was to pay a balance on a business transaction that if not pay on this day will cost me a {$75.00} daily fee plus lost of my origianal investment 0f {$3500.00} through an internat customs services. XXXX Upon cantacting XXXX I learned thought is representative XXXX and XXXX at the Arizona center that The Money was being detained by JP Morgan Chase the same answer I got from XXXX. 

When contacting JP Morgan Chase a representative by the name of XXXX in customer service confirmed, XXXX at the XXXX call center transfer me to Chase Mobile banking the the XXXX with a representative by the name of XXXX XXXX whom then acknowledge that the money was being held by JP Morgan Chase it would transfer me to a department to assist me - I called several times and the emplyees at JP Morgan would disconnect me once they realized that they were holding my money illegally and did not wanted to get involve. 

For some reason JP Morgan Chase had illegally open an account to keep those funds. I had not done any sort of busniess with JP Morgan Chase in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize 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