BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: MI
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:
I rented from XXXX, using Chase XXXX XXXX card ending in XXXX. The rental reservation XXXX from XXXX, shows the mileage in and out as conflicting with the actual usages. The information as stated on the final rental receipt is an usage of XXXX miles during this rental period. The actual usage is as below : 1. Origin : XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX MI XXXX ( and back ) every alternate day during this period. 
2. Number of commute days : 3 days / week for 5 weeks and 2 days in the prorated week thereafter, = XXXX + XXXX = 17 days 3. Distance driven each day : XXXX miles 4. Total : XXXX miles, which, even at an approximation of XXXX miles does not correspond to the stated mileage of XXXX miles I was given only one key to the vehicle as against the standard practice of 2 keys indicating potential misuse of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: FL
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 sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Pinnacle Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a XXXX debt that is being handled by Pinnacle Credit Service but also being sought on by XXXX XXXX XXXX. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Public record information inaccurate

Complaint:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with XXXX, Experian and XXXX on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record. 

Attached you will find written communication with review to assist with a permanent deletion.

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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was ripped off by a guy on XX/XX/XXXX. He posed as a PayPal employee, and he ripped me off for over {$6500.00}. A police report was filed on the XXXX. I also filed a report with the FBI. Then yesterday, XX/XX/XXXX, I found out, that my credit score had lowered from XXXX down to XXXX, and upon investigation, I found out that a venmo credit card was opened using my info, on the XXXX of XXXX. I have had a venmo account for at least a year already, but I did not have a credit card with them. I had received a credit card from them a few days ago and just thought it was something they were sending out, because I have had an account with them for over a year. Then yesterday I signed up for the credit card monitoring service through XXXX, because I went to apply for an XXXX XXXX credit card, so I could purchase some music, and I was declined. I was thinking how could I get declined if my credit score was XXXX just a couple months ago, and once I got the XXXX monitoring service, I noticed that the credit card was opened on the XXXX of XXXX, and that it had already had a balance of {$1900.00}, and so the PayPal thief got a credit card opened up under my name and I guess did a cash withdrawal of the money. I was told to file a report with the FTC and so I got directed through the FTC to file it through you guys.

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 2019-11-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX PL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number 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 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.

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 2021-07-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My identity is being messed with a long with other issues I am filling a didpute with the consumer reporting agency with my rights under the fcra act. I have had more issues with my bank accounts n my money not being found with my consumer rights n if this credit was right then my other money would be easier to c where it went, .. this goes back from XXXX up till this very day XXXX.i also want XXXX to pay me for me paying them to pertect all this and they did not, I'm want to file suits.

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 2019-09-05
Company: Experian Information Solutions Inc.
State: FL
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:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON 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 2020-08-01
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company keeps billing me for a medical bill that is 100 % covered by my Medical insurance. They keep billing the wrong insurance, then sending me collection bills. 

I have called and written to them several times telling them to send it back to the hospital with the correct insurance and they keep billing me. 

I give them the correct insurance information and they tell me I won't have to pay and then they bill me again. 

This is becoming a form of harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have   XXXX   duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.

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 2017-04-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I already submitted a complaint several months ago. The complaint number is XXXX I just received a message from your organization that the credit card company could not respond without permission of the consumer. So, I submitted the complaint because I am a cardholder on the account, but my husband is the actual account holder, I guess. Can he give his permission to respond, without starting the complaint over from scratch?

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 2021-07-12
Company: EQUIFAX, 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:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: WA
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:
Had a loan w XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: VA
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 is an address on my credit report that I have never lived at.

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 2019-01-11
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I received a letter stating that I would have to recertify my income for an income based repayment plan. The letter stated that I would receive another letter in 2 months with instructions on how to do this.

Cut to XX/XX/XXXX my bank notified me of a payment taken from my account of approximately 8 times my previous payment. I checked online and saw that my IBR had been cancelled and approximately 16,000 in interest had been capitalized.

I called for an explanation. The first representative told my that my recertification had been denied. He sent me to another representative who told me that I never recertified. She said they could fix the payment amount after a few months but that there was nothing that would be done about the interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.

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 2017-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is made on behalf of my neighbor,    XXXX   XXXX   XXXX    who is in her  XXXX  's sick in   XXXX   went on vacation last year.  XXXX  is currently and has been for the past months in a hospital. She has asked me to ask her bank  ( Chase Bank ) to print her checks ( she ran out of checks in    XXXX  and can not pay her bills ) and just mail these checks to the secure address currently on file with the bank. THE BANK REFUSES SAYING SHE NEEDS TO CALL ... SHE HAS DONE THIS ON SEVERAL OCCASIONS WHERE SHE WAS PUT ON HOLD, AND ON HOLD, DEALING WITH  ONE  PERSON AFTER ANOTHER .... ALL  XXXX  WANTS IS HAVE THE BANK MAIL HER CHECKBOOK SO SHE CAN PAY HER BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TekCollect Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two companies TEK Collect Inc. phone # XXXX {$490.00} and XXXX XXXX phone # XXXX XXXX XXXX {$450.00} I , XXXX XXXX have called both companies to clear up this on credit report. 
they are reporting to collect a medical debt that doe not belong to me. The debt belongs to son XXXX XXXX age XXXX. I was ask by my mortgage lender to clear this up to get a mortange that is currently in the works. It is effection my credit score. Both companies said '' either they could not give information on the debt. '' please call me XXXX XXXX or XXXX. 
I do not have account information. I tried to call and get this information XXXX said they could not find account and TEK said my son had to call which he did and they still did not release information. 

Please help very frustrating, Sincerely, XXXX XXXX XXXX WA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter in regards to inaccurate and unknown things on my credit report. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing, services our mortgage. We previously tried to work out a loan modification but they were impossible to work with, and eventually we were forced to file for XXXX XXXXXXXX bankruptcy to keep our home. During our bankruptcy were able to successfully negotiate with the lender XXXX Bank and structure an agreement to save our home and renegotiate our mortgage. Our bankruptcy was successfully closed on XX/XX/22 and Fay Servicing was informed of the judgement by both the court and our attorney. Not only do Fay 's Statements reflect a different amount owing then what the court decided on, they show us being arrears, and show an unapplied amount due. We have paid every payment based on the inflated amount that is more than the court ordered, but in order to be compliant we felt that we needed to pay. They will not speak to us as they say that we are still in bankruptcy, nor can we access our account to see payment application because they indicate we are in bankruptcy. Our attorney has sent multiple requests subsequent to the notices sent by the court, but Fay Services refuses to follow the courts order. We need to be able to access our account, speak to representatives and figure out why monies are being held in escrow and why our account is showing as passed due when all payments were made per court request.

Company response to consumer: Closed with explanation