BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if did not I receive appropriate response.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
First Republic was bought by chase and in process of managing my mortgage I was informed Chase retained personal information as well as login information from over 10 years ago. This was at no point disclosed to me. Chase has indicated this is their process and have no duty to inform clients of such. They have further indicated that as this is their policy they have done nothing wrong and have no duty to inform if there are data breaches or other concerns with the retention of ones information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Blackrock Mitigation Group LLC
State: KS
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 applied for a car loan through XXXX. They ran my credit for the same companies several times and now I have so many inquiries on my credit report. There was no reason they should have kept running it through the same company. I called and talked to XXXX about it and they said we were trying to get you qualified. So it doesn't help now because of so many inquiries. Please get these removed

Company response to consumer: Untimely response
Consumer complaint received 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me constantly even after leaving voicemails to my work number and cell phone number. I have not spoken to them because they always call me during my working hours. I have also never received any documentation from them in regards to the validation of the debt. 

They have called me from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 mailed a letter to TransUnion requesting my free credit report/file. I received a postcard stating I would have to pay {$9.00} for a report because I received a free annual report in the last 12 months. According to the FTC, due to the pandemic, I can receive my free credit report every week through XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following accounts are incorrect, and they are adversely affecting my livelihood. I have no knowledge of this account. 
Lvnv funding llc XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Notice of Error in your letter dated XX/XX/XXXX you failed to provide any documentation to support your response. You claim funds rec 'd XXXX and XX/XX/XXXX were place in unapplied funds as they were insufficient to satisfy the monthly contractual payment. The monthly contractual amount due is {$840.00} how much was due in XXXX how much was due in XXXX? how much was rec 'd in XXXX and XX/XX/XXXX? how much was rec 'd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX explain each month and how much was due each of those months. Your claiming that 3 payments made for XXXX XXXX and XXXX were not sufficient to make one payment? explain in detail send proof of your statements and supply the documentation that XXXX provided to you to conclude your analysis. Since you always fail to send supportive documents as required by law i'm trying to be as specific as i can so i dont have to request over and over to get any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting XXXX to XXXX or on some days more phonecalls from Portfolio Recovery. They call sometimes beginning at XXXX XXXX in the morning and sometimes after XXXX on a given day. My wife works XXXX shift and we do not need them to be calling us that many times. I feel that is Harassment!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Regarding order # XXXX, Macys refuses to refund me {$240.00} for an item I returned back to them because I originally received an incorrect item ( not what I had ordered ). They claim that the item is fake, however I did not send anything else other than what I had received and since it was not the item I purchased I returned it back.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-12-06
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:
I currently submitted a copy of all 3 credit bureaus side by side so that the credit bureaus can see the inaccurate late payments that are reported on each of my credit reports. The bureaus are suppose to report accurate information and should coincide with each other. My mortgage company XXXXXX/XX/XXXX is reporting 2 different late payment statuses. The are reporting inaccurate comments on each credit report. XX/XX/XXXXXX/XX/XXXX is reporting my mortgage has a student loan in the comments. I have sent letters in the past disputing the inaccurate late payment and they reply back that it is verified. How is inaccurate information being verified? I attached my credit report with all 3 credit bureaus side by side so that you can see the 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 2023-06-19
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX. 
Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-19
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Bridgecrest has used my non public personal information to furnish information on my credit report UNAUTHORIZED and unlawfully HAS stolen my property ( XXXX  XXXX XXXX XXXX # XXXX ) Which is a BREACH of PEACE. Please refer to complaint ID # XXXX where i have given notice of rescission to XXXX ( Notice & Other documentation from the complaint Also Attached for Review ). I called regarding the matter and they are willfully denying me these 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 2023-01-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX {$6000.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX {$9600.00} Date Opened : XX/XX/2016 Collection XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$5900.00} XXXX XXXX {$260.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-01-25
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XXXX  and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX. I sent this to aidvantage who is formerly known as XXXX Department of Education loan servicing. This was sent through XXXX certified mail and they had received the document return domestic card on XX/XX/XXXX. The XXXX tracking information is XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX. This corporation has been practicing non compliance towards me. It is past due and I'm filing this compliant to show. I contacted them properly and they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 disputed false allegations of debt to XXXX XXXX XXXX   through XXXX XXXX XXXX XXXX. I was ordered to pay {$1100.00} by the way are County Magistrate Court docket number XXXX   - XXXX XXXX I submitted true of court order dub of Bank stub made out to XXXX XXXX XXXX  for debt credit deletion on my credit report yet XXXX XXXX XXXX has a total extremely higher than what I've paid their client reporting to my credit report which is fictitious based on the court order

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