BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I reported to Chase Bank that two fraudulent transactions occurred that day on my debit card. The card had been issued within the prior 2 weeks as a replacement for a card that was expiring. The claim number for the fraudulent transaction that Chase refuses to resolve appropriately is XXXX. This was supposedly researched by Chase Bank who indicated that they found that the transaction was " processed correctly or was authorized ''. I received notification of this decision via a later dated XX/XX/2019. I called Chase Bank at XXXX on XX/XX/2019 at XXXX XXXX   and spoke with XXXX until XXXX at which time the call was escalated to XXXX. At XXXX I requested further escalation, which was denied. Last names were never provided by either customer service agent. I requested that the " verification '' obtained be provided to me and was told that they can not email or fax the verification. I was told verbally that the transaction was mailed to a XXXX XXXX   in XXXX, CA which is someone I've never met. I was given a USPS shipping number of XXXX, which confirms delivery in XXXX, CA which is approximately 1,000 miles from my home. I asked XXXX how this " verifies '' that I made the purchase and she informed me that it is my responsibility to prove that it wasn't mine. She repeatedly refused to escalate my call to a superior and indicated that she will not refund my money. As such I am requesting assistance from Federal resources tasked with supervising banking activities. Given the unwillingness of Chase Bank to properly address this issue, I am requesting maximal penalties be levied against the bank and a demand notification be sent to the bank for reimbursement of my fraudulently debited resources as well as punitive damages as seen fit. Copies of this request are being transmitted to CFPB, FTC, as well as XXXX XXXX, president of Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form 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 2020-04-30
Company: Advanced Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concerns : I am filing complaint against XXXX XXXX XXXX. The reasons are the following : 1. I don't recognized the account or amounts.

2. They are claiming its a joint account with my and XXXX XXXX. I do know that person.

3. They can not provide me any personal documentation such as my DL.

4. They are not claiming that I am 60 days late, when they said the file was open in 2015, none of their information is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Information belongs to someone else

Complaint:
Around XX/XX/XXXX, I was not able to obtain a mortgage loan because when the bank lender dug up my credit report at Equifax, they found that under my SSN and credit report I already had a mortgage loan, which was odd to me because I had never taken out any mortgage loans. I later found out that Equifax had mixed my accounts with my brother 's accounts, because that the mortgage loan was his. We have very similar names and very similar social security numbers, off by one consecutive number. 

I called Equifax on XX/XX/XXXX and wanted to dispute these accounts because of CLEAR ERROR. After being put on hold for an hour, the representative told me to mail a cover letter to include my name, address, email, phone #, reason for mailing, Driver 's License, W-2 in lieu of my social security card, and proof of my brother 's accounts that I wanted to dispute to the Equifax Dispute Department at XXXX XXXX XXXX, XXXX, Georgia, XXXX. 

I mailed my dispute to Equifax on XX/XX/XXXX to the address they provided me, and still haven't heard any response. As of XX/XX/XXXX, Equifax still hasn't taken any action on my case. 

On XX/XX/XXXX, I managed to obtain a complete copy of the credit report from Equifax under my SSN, and behold, my report had my brother 's name, birth date, and numerous accounts that were his, including the mortgage loan mentioned above. UNBELIEVABLE. 

I called Equifax on XX/XX/XXXX and was put on hold for 40 minutes, and another representative told me to mail the same things to the same address to dispute my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
CFPB C/O JCPenny ( XXXX XXXX ), I lost my wallet last night and your IVR does not attend to the needs of a lost card option, or maybe lack thereof. It takes me XXXX to get to a live representative and that is far out of reach to get to a live agent. I dont even think you are XXXX compliant with the lack of input on your IVR. Even when I press o or the # sign it does not give me a live agent or if I bypass my last 4 numbers of my SSN it will hang me up, I am obligated to hear the whole recording of my balance and last transaction. This is horrendous especially since my card is lost and I need to freeze or cancel.

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 2021-05-04
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I had a payment of XXXX that was do for my vehicle. Which was late because I was sick with XXXX XXXX. I reached out to American Honda fiana. They said they couldnt help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
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:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to 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 2019-06-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on my loans for several years with occasional deferments due to internship and residency. I received a letter dated this past XXXX stating I have not made my first 12 payments on time and that a 1 % and .5 % loan credit is being retracted. I called to get information about this situation to which I was told a payment was made late. The school I am attending automatically put my account into " in-school deferment '' which I did not ask for. I called to request this be reversed. I was told it was. I made payments according to bills received and income-based payment plan. Again when starting the next class of my program I was put into " in-school deferment '' which I did not ask for. When I called I was told that is automatic and can not be reversed " until the six month deferment runs out, but you're more than welcome to make payments on those accounts. '' I have continued to make payments only to be told that one month was late ... a month that was in the middle of this in-school deferment I did not request. I was informed years ago when setting up payments that there is a " grace period '' in which to make payments with no penalty. On my last phone call I was told " there is no grace period. '' With this retracted rate, this had added approximately {$30000.00} more to my credit report and student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Lane Bryant account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a XXXX  balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a XXXX   balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've called twice asking Discover to close my Discover IT card ending in XXXX. They refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX XXXX, I sent a certified letter to XXXX XXXX XXXX, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but Transunion still has 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 2019-06-21
Company: LJ Ross Associates
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: Account information incorrect

Complaint:
On XXXX XXXX, I sent a certified letter to LJ Ross Associates, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but XXXX still has it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I mailed a payment to the credit card company, envelope was postmarked XX/XX/XXXX. The payment due date was XX/XX/XXXX. In accordance with the provisions of the Postmark Prompt Payment Act of 1995, the payment should have been consided as ontime. The company ( Comenity Bank-HealthiPlan ) went by receipt date ( XX/XX/XXXX ) and charged a late fee. I called and asked them to remove the late fee but they refused saying it was their policy to go by receipt date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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 have contacted XXXX & Experian several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX AMOUNT - {$940.00} This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX. I disputed it immediately with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX  are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA 4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving 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 2018-06-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account showed up on my account around XX/XX/XXXX as a collection. When i called the company they stated that i never mailed my equipment from XXXX XXXX XXXX, but i did. I also provided them with the receipt from the post office that the equipment was send to them. After that conversation, i didn't hear from them for 3 months. They ones again stated that i never send this equipment in and attempted to collect money from me in a very aggressive matter. The reason i cancel my account with XXXX XXXX XXXX was because they charged me for long distant calling with out my consent. They spoke to a person in my house and through them they opened and account under my name. They never spoke to me and i ended up just cancelling this account.

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 2019-06-21
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/19, a woman claiming to be XXXX XXXX with Pioneer Credit Recovery called a neighbor that I barely know in an attempt to harass and embarrass me and disclosed private information in  what has to be a violation of the fair debt collection practices act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have Experian basic membership. I want to just have my credit report frozen. Won't do it unless I sign up for credit lock services. Credit lock is supposed to be free.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when transunion updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX  they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time transunion has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is XXXX  people by reporting false information. If this can not be resolved i will take legal action.

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 2018-11-08
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:
I have sent Experian over 3 letters to Delete this bankruptcy from my credit report. I asked Experian how they verified this information Experian told me they went to the court to get the information. I contacted a Bankruptcy court to ask if they report to credit bureaus or 3rd party the courts insured to me that they did not report any information. I called Experian to talk to a live person they insured me that they use the XXXX system to verify public records as well as XXXX, XXXX, XXXX XXXX. 
XXXX  Deleted from my report Please delete this from my Experian 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 2018-11-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have dispute hard inqurie on my account with experian and they fail to verify these inquiry on my credit file, and also I have been trying for two months to file a dispute online with experian and it keep on giving me a error message and I have call experian about it and they keep on telling me it will be back up soon and two months now and it still doesn't work.

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 2021-05-04
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PayPal has frozen my account and ask me 2 provide them with a statement from my card which I have done and my account is still frozen with no way get money I need to pay my bills

Company response to consumer: Closed with explanation