BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/2019 we purchased a service with XXXX XXXX XXXX XXXX ( also known as XXXX   XXXX XXXX XXXX by XXXX XXXX ) for our group of 23 people to go to various islands and snorkeling activities out of XXXX. The bases of the dispute is that XXXX XXXX XXXX XXXX took us to 1 island only and did not follow thru with the itinerary that had been planned out. Most of the conversation was over the phone. At the end of the day with much confusion XXXX XXXX XXXX XXXX charged my card {$4400.00} for services NOT rendered. This is the cause of the dispute. I tried dealing with XXXX XXXX XXXX XXXX and they were not budging on refunding us partial payment due to not following the itinerary that had been planned. So I then went to my Credit Card Chase Sapphire Dispute Department to resolve the issue. After many, many phone calls and months of dealing with this dispute, our Credit Card has sided with XXXX XXXX XXXX XXXX word over ours on what went on that day. Basically XXXX XXXX XXXX XXXX has continuously lied about the events that day and even said they gave us a credit which was also another lie. I have spent so much time on this and can not believe that we as customers with a very good history have to deal with our Credit Card on this level. 

There was another large group lead by XXXX XXXX on this excursion who also felt they were not given what was promised. That group also disputed the charges and was refunded the money by their Credit Card company. 

On the attached PDF pages 12 -14 give details of what went wrong that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX, XXXX and XXXX, Transunion, and XXXX have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!

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 2019-11-15
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems placed a collection on my XXXX  credit report. I never received any written notification or phone calls from them about a debt owed. It is also a debt that does not belong to me. When I called them they were verbally abusive and said I would have to pay the debt to have it removed and they did not have to prove it or notify me of any information regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: First Federal Credit Control, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 FIRST FED CREDIT CONTROL or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  XXXX Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on FIRST FED CREDIT CONTROL or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Their investigation did not fix an error on your report

Complaint:
I am convinced that Equifax does not read disputes or truly investigate. They just send the same old generic responses. Attached is documentation that XXXX XXXX XXXX XXXX has placed incorrect information on my credit report. The date of 1st delinquency is incorrect and the company is reporting it incorrectly on purpose so that they can leave the information on my credit report longer than the 7 years they allowed to by law. I have attached a detailed bill. Please see the 1st date of delinquency and get this off of my report please. 


They also have an account listed from XXXX XXXX XXXX and they keep saying we confirmed this is your bill. This is NOT my bill. My daughter is XXXX XXXX XXXX. She went to the dentist. NOT me. I am the person that pays for the insurance premiums but that does not legally make me the guarantor or legally responsible for her bill. This is not my bill. Those are not my teeth!!! But Equifax sends a generic response saying it's been confirmed as my responsibility. HOW?!!! 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: TN
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:
Portfolio recovery has been paid and they agreed to remove collection trade line from all 3 reporting agencies. This has not been done.

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 2017-11-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-05-27
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/2020, a dispute was settled for a past cable bill I shared with a ex about 15 years ago. The debt collector at this time was called "XX/XX/XXXX. '' It is for " XX/XX/XXXX XX/XX/XXXX'' This was deleted from my credit report on the date listed above. 
Here are the results of my dispute : ITEM IN DISPUTE XX/XX/XXXX XX/XX/XXXXXXXX DISPUTE REASON : Accuracy This account is too old to be on my credit report. 
This account is closed. 
RESULT : Disputed item deleted XX/XX/XXXX investigated your dispute and deleted this item from your credit report. 

Now, it has appeared back on my credit report under " I C SYSTEM '' It is for " XX/XX/XXXX XXXX. '' I am not responsible for this account and it should be deleted from my account. They should NOT be allowed to change debt collecters and start the process all over again. Please look into this and delete from my credit report ASAP. 
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 2020-07-28
Company: Experian Information Solutions Inc.
State: WI
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 writer submitted a request for an investigation and it was a fallow investigation. They did not properly investigate my concern. Instead they submitted an email stating the dispute was final after 3 days. When in fact the creditor sent an email citing their error from inaccurately reporting my payment history. I have a copy of the email. But Experian refuses to re-investigate 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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.

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 2019-04-25
Company: EQUIFAX, 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:
Incorrect names are reporting on my credit file. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My full date of birth is not reporting XXXX Incorrect addresses are reporting on credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX approximately XXXX XXXX sent email about the problem to XXXX XXXX XXXX XXXX credit card. I called at XXXX XXXX XX/XX/XXXX about the problem as well. I explained that according to the balances on my promotions which are no interest if paid in full by a specific date, the balances are exactly the same each month and I pay XXXX a month which is just a few dollars more than the monthly payment. I explained to the customer service agent that the balances were not changing by even a XXXX from one month to the next. Customer service agent said that payments would be applied and a certain amount would be on each balance. I explained the balances were exactly the same each month as though no payments were being made. Customer service agent still holds that the payment is applied to each different balance and in order to pay it so that deferred interest isnt charged for an amount that would run out on XX/XX/XXXX XXXX. Looking at statement on all promotional balances, XX/XX/XXXX statement, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX statement, XXXX, XXXX XXXX, XXXX There were no changes from month to month. With a payment of XXXX a month even if other money is being paid, how is there not one XXXX going toward these balances. Its like they intentionally apply no money to these balances so that the deferred interest of 28.5 percent will be added to your balance when the date of XX/XX/XXXX is reached. How is this any klind of promotion. I understand paying the balance to avoid interest but this makes it a situation where no matter how things are done the consumer has to pay the entire balance of what was borrowed to avoid the interest payments. So if I borrowed on the original balance XXXX regardless of XXXX a month payment every month, I would have to make an XXXX payment that I specifically tell them to apply on this purchase. XXXX was original amount borrowed, At the least this is deceptive, at the most its intentionally making sure the balance always reaches the promotion date so they can add the deferred interest.

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 2017-11-28
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
PayPal keeps displaying different balances when I log in. 

Today I answered a robocall, and was informed by the debt collection person that my account has been past due for 15 days in the amount of {$28.00}. 

I just logged in and took a screenshot of my account and it says " no payment due. '' I made a payment of {$160.00} on XX/XX/XXXX, which appeared to cover the " minimum payment due '' on that date. I continued to receive robocalls from PayPal, and I checked my PayPal account again. This time, it said owed a different amount, so I paid an additional {$190.00} USD on XX/XX/2019. 

I made clear during the recorded collections call that I did not think it was appropriate for PayPal to display information on the website with respect to the amount due that does not match what the collections agent on the phone is saying is owed to me. The agent tried to interrupt me to tell me that it's appropriate for a company to whom, according to the screen shot I took today, and according to what also displayed last week, I do not owe any overdue payments, to call me twice a day every day for the past week. I disagree : you can't call and harass someone who doesn't owe you money. 

I informed the collections agent that I was going to hang up and check my paypal account. It says " no balance due. '' I took a screenshot.

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 2019-04-25
Company: Experian Information Solutions 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:
recently reviewed my credit file and found an account reporting in error. I contacted all three credit bureaus and disputed the inaccuracy. The account was removed by XXXX and XXXX but Experian has yet to remove the item or provide method of varication. I have sent the attached results from the Experian investigation showing the account was investigated and removed. By law, under the FCRA, all information found to be inaccurate from either credit bureau must share their finding with all other bureaus and that information must be 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