BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
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: Was not notified of investigation status or results

Complaint:
I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I received a debit card in my name from Chase bank, however, I do not, nor have I ever opened an account with Chase. I believe this fraudulent account is connected to a fraudulent tax return that was also filed under my name. When I reached out to the IRS regarding the fraudulent tax return, it was immediately cancelled. However, my experience with Chase bank has been quite the opposite. The moment I got the debit card, I called Chase 's customer service line. The representative told me that their fraud department wouldn't be open until the next morning. When I called the next morning, I was on the phone with Chase for 46 minutes, explaining the situation to four different Chase representatives, only to be told that they would send me a packet of paperwork in the mail. It took about ten days for the paperwork to arrive and when it did, I began to fill it out immediately. They had requested information from me, such as the account number, that I did not have. I called them asking for the account number so that I could submit the paperwork but after 25 minutes on the phone with them, they told me they couldn't disclose the account number over the phone and that I'd have to go to a local branch. I also had questions about the police report they requested which the representative could not answer. I then scheduled an appointment with Chase and when I arrived, the employee helping me had never dealt with a case of fraud before. I made it clear over the phone while scheduling an appointment that I would be there regarding a fraudulent account and yet they set me up with someone that did not know how to help me and could not answer any of my questions. I ended up being able to get the paperwork submitted. A few days later I received a letter from Chase alerting me that the account was overdrawn. A week later I received a statement for the fraudulent account, meaning that it was still open. Then, on XX/XX/XXXX, over a month after I originally alerted them that the account was fraudulent, I got a letter from them that said they had received my paperwork and were planning to close the account " soon '' so long as certain information was not provided that would allow the identity theft to keep the account open. It is now XX/XX/XXXX and I just received a letter that says they decided the account was not opened by me, a month and a half after I requested that they close it. I have dedicated large amounts of time and provided more than the necessary information to Chase in a timely manner. They aided the criminal that stole my information by allowing this account to stay open for far too long. They wasted my time over the phone and sent me to a branch with a representative that could not help me. I may be paying for the rest of my life for Chase 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I Made a payment of {$3000.00} through PayPal for marketing services for my business. I tried getting my money back because there service was never delivered and the merchant ignored me. I tried to contact PayPal and they say they could nog help me and the fraud department could not help me. now I lost money I don't have and PayPal is harassing me to pay my negative balance on my account that occurred because my business partner payed me the {$3000.00} to advertise and made a dispute against me. 

I have tried everything to show that the other company scammed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX, which also does business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, is a debt collection agency located in XXXX, New York who was, or claimed to have, a couple of accounts for my company. We negotiated settlement offers and fulfilled one to the agreed amount. The other was still in negotiation, but the two contracts were separate. The one contract was paid in full per settlement on XXXX XX/XX/2021 after which documentation for the vehicle purchased was supposed to be sent. No communication was received from them for months until I reached out to them to ask what was going on when I was told that they closed the accounts because of no communication from us, that no settlement was agreed upon or in place and that there is nothing more for them to do. So they stole our money claiming to settle an account and now we don't have our money or the paperwork to properly maintain and register the vehicle purchased under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX. 

At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference. 

In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %. 

Can you confirm if this is accurate? I feel as if we are being strung along.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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: Information belongs to someone else

Complaint:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: BARCLAYS BANK DELAWARE
State: IL
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:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls regarding my mother 's debt. Today, XX/XX/XXXX, at approximately XXXX MST, an unauthorized charge of {$590.00} was issued to my account to cover part of her debt. When called a reversal was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report. 

Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect? 

I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts are being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
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:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX County Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over 100 points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Freedom Mortgage Company
State: MA
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 was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XX/XX/2019 2019

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 2021-07-08
Company: GOLDMAN SACHS BANK USA
State: WA
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/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  {$560.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX   XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX   XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-05-18
Company: ENOVA INTERNATIONAL, INC.
State: AL
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 am the victim of identity theft. I reached out to this company to inform them of the issue to no avail. I have filed a police report as well as an identity theft report with the federal trade commission. Net Credit will not remove this account from my credit and go after the scammer. The date this account was opened is XX/XX/20 with a current balance of {$7500.00}. This is absolutely ruining my life. Please find the scammer and prosecute them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX  XXXX  Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX  XXXX, XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --

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