BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: HI
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 tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I got charged {$24.00} in my Chase business account for 2 monthly service fees. I was told ( after they were already charged ) that this was because I did not have the required minimum balance. Yet, I had enough money as indicated by my average daily balance in my Checking account. Therefore, I would like refunds for these two fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: TX
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:
in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called me saying I had debt. I have no debt. They call the company Portfolio Recovery Associates and they are in Virginia. Their number is XXXX. The call came on or near XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX, I submitted a credit application with XXXX XX/XX/XXXX for a XXXX XXXX XXXX for a mattress set purchase on XX/XX/XXXX for the approximate amount of $ XXXX dollars and about one ( 1 ) year with XXXX finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from XXXXXX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few XX/XX/XXXXaccounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency Sagestream , LLC, XXXX XX/XX/XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debtor is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX last year on XX/XX/2020 to cancel my wireless service to switch to XXXX. I was told to pay {$800.00} by XXXX XXXX XXXX to unlock the phone and settle the final bill. I paid the {$800.00}, and requested to cancel and Immediately discontinue wireless service as of XXXX XXXX. XXXX XXXX XXXX explained that it would take several days before they could close out my wireless account to make certain that my {$800.00} payment would go through, however on XXXX XXXX XXXX XXXX XXXX 's internal auto paid ( overcharged ) and billed me for wireless service {$73.00}. 

*** See attached XXXX bill as proof that XXXX had control of my wireless account as of XX/XX/2020, but XXXX XXXX XXXX charged me regardless*** I called XXXX XXXX XXXX on many occasions to reverse the charge. I had signed up for XXXX XXXX XXXX auto billing and they had taken the {$73.00} without permission on XXXX XX/XX/2020. After Speaking to several very confused XXXX XXXX XXXX customer service reps to correct the overcharge, who couldn't explain or understand the overcharge, I had no choice but to contact my bank to reverse the overcharge. XXXX XXXX XXXX SAYS MY CREDIT CARD WAS REJECTED WHICH IS NOT CORRECT. I INSTRUCTED MY BANK TO REVERSE THE CHARGES DUE TO THE XXXX XXXX XXXX SYSTEM AUTO PAY OVERCHARGE. 

XXXX XXXX XXXX claims this charge is for internet ( XXXX ) which is listed in XXXX XXXX XXXX  systems internally and incorrectly. I cancelled my XXXX Internet service with XXXX XXXX XXXX in XX/XX/2020, four months prior to XX/XX/XXXX. XXXX was intertwined with my wireless service as a bundle promotion, which is the core issue with their billing algorithms and system. 

*** See Attached XXXX XXXX XXXX bills showing that my home Internet service was not with XXXX XXXX XXXX in XXXX XXXX The bottom line is XXXX  XXXX XXXX has listed this account incorrectly and has over billed me. No further bill should had been generated. I owe nothing, but the debt was sent to the collection agency ( MRS BPO ) nonetheless.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving notices from two debt collectors, XXXX ( XX/XX/XXXX ) and then XXXX XXXX  ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to Synchrony for purchases made in XXXX at Belk, on Belk Reward MasterCard XXXX. I do not own that card and I have a different account number with Belk. I even received a notice from something called Synchrony Bank saying that this account was sold to XXXX XXXX on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: FL
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:
I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/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 2021-01-22
Company: JPMORGAN CHASE & CO.
State: IL
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:
This is not a duplication of case number XXXX. This complaint has new information. 

I am following up on complaint number XXXX. My initial complaint was reviewed by Chase, and in its summary report, the credit card company stated that the money charged to my credit card for a service I never received was in hands of XXXX XXXX. Chase didn't help me with getting that money back from XXXX XXXX. I've tried calling them a few times, being sent to a voicemail each time I called the agent who worked on my case. I then called XXXX XXXX to request the refund for the flight reservations. The Customer Relations agent stated that since I purchased the tickets through XXXX, the money should be refunded by the agency. ( attached a screenshot from that email ) I then called XXXX. After looking into my reservation, the XXXX agent told me that the agency sends money to the airlines after holiding it for only 24 hours, and that now the money is with the airline. ( attached a screenshot from that email ). I then contacted the XXXX XXXX Customer Relations department once more. The lady I spoke with said that she only sees the original charge and the chargeback on my reservation. She said that the money Chase claims XXXX XXXX received on XX/XX/2020, was never posted to the reservation, which was the reason for the cancelation of the service. She said to contact Chase and ask for a tracking number of the rebill transaction. I tried calling Chase, but I never received a callback. At this point, I have all three parties, Chase, XXXX XXXX, and XXXX pointing at each other and saying the other party has the money and should refund it to my account. All I know is that I was charged {$380.00} for a booking that was canceled and for a flight that never took place, as XXXX XXXX canceled that flight. The travel party I was going to travel with received their refund within a week, I have been trying to since XXXX of last year. Can you please help with locating this money? Who has it and why no one owns up to it and won't refund it to my credit card? It is not only illegal but also morally not right to be charged for a service that never took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EOS Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EOSCCA claims on my credit report that I opened my account Opened XX/XX/XXXX ( 2 yrs, 5 mos ) account has continuously been re aged to stay on my credit report. the account was opened XX/XX/XXXX company kept claiming my bills weren't being paid so I went to a new wireless provider a couple months later. I had my final straw when the company and made two large payments at the XXXX XXXX  location with the manager who claimed {$180.00} payment from my card would pay off the phone so that I could close out the account. I was asked to register for a new account online which did not reflect the amount I made at the XXXX XXXX  store because I used a different email address then the one they assigned to my phone automatically. The stores were independently own so records were never accurate. which forced me to close the account because I was constantly receiving notifications I had not made payments and each month the charges were in excess of XXXX for a phone that had a {$50.00} phone plane. I've made several attempts to ask the account to be accurately aged. I provided them receipt numbers for the receipts I do have still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: VA
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. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 1. Account Name : XXXX XXXX Account number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-04-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are 2 XXXX accounts and a XXXX XXXX on my credit report with experian showing as a charge off and a balance and have not been reporting to experian in a couple years ( realizing most likely are not mine ) these are not my accounts experian keeps telling me they are accurate and will no longer investigate these 3 accounts however XXXX  and XXXX have deleted these off my reports after investigating and proving they in deed are not mine please have them remove them right away

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 2017-12-12
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank 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 2021-02-25
Company: Norwich Commercial Group, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with XXXX XXXX and XXXX back in XXXX for a mortgage and I did not give them permission but only once to pull my credit and they were pulling it 2 a month over the course of 3 months. They said my score was a XXXX. I never had any proof of this. I have in total, 6 inquiries from them that were not authorized. When I spoke to my mortgage broker, XXXX XXXX, he told me that it gets pulled automatically. That is not true. They have to have written permission and I only gave them permission once. I did give them permission to sign to remove disputes from my credit report but that was about all and the disputes are still on my report. They have 5 files on me which I have no idea why. They never sent me my credit report and XXXX told my husband that he paid the credit bureaus, {$600.00} to boost my score, which is a lie because I paid off all my debt on my own and that is illegal to do because I have a new broker who said that was illegal. I tried to settle this with them and they refused to take care of this. They said I gave them permission according to my emails which is a lie. They told me that since I had to have my father on as a co signer ( which I no longer have this mortgage ), this automatically gives them permission to go through my credit report. That is also not true. I need help getting all these inquiries off my report. ( I had started working with another mortgage company and my score is a lot higher ) XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX Cr Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX from XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-07-20
Company: Experian Information Solutions Inc.
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:
TO WHOM IT XXXX CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had fraud on my AmexServe prepaid debit card. I was a victim of some type of skimming device. On XX/XX/21 someone stole {$500.00} in ATM withdrawals from my account. I contacted amex immediately. They canceled my card, which was in my possession at the time of the fraud. I put in a dispute three times and they denied my claim every time. I went to the police. I got a police report. I even reached out to one of the store merchants where the theft took place and they gave me still footage of the person who tried to conceal their identity. Amex still said I authorized the transaction. I was in XXXX XXXX, NY with the card in my possession and the theft took place in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Conn's, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Conn 's calls and text messages you if you are late with one payment. My payments are due on the XXXX and if I do not pay exactly on the XXXX of the month I receive robo calls from different numbers all day until XXXX from Conn 's for a payment that is only due one day late. The calls are repeated even if you make a payment arrangement with them to pay the account. They harass you until the account is paid. I do not get paid until the XXXX of the month and I am annoyed and phone battery dies because of their repeat calls even if I make a payment arrangement. I heard on the news that this is against the law.

Company response to consumer: Closed with non-monetary relief