BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Transunion has not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This was XXXX I tried using my XXXX card and found out it was locked up so called bank of america XXXX and they just kept passing me from one person to the next and so I tried again today and now they phones anit working I find it stupid of them

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 2017-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect 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 2020-06-23
Company: JPMORGAN CHASE & CO.
State: CO
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 XXXX, I filed a dispute with Chase Visa for a charge to my account made by XXXX XXXX ( XXXX ) on XXXX. The charge was for two 1-way airline tickets from XXXX, XXXX to XXXX XXXX, XXXX, scheduled for XXXX. On XXXX, I received notice from XXXX XXXX that this flight had been canceled and that a refund " voucher '' was offered. As this flight was canceled by XXXX XXXX, not me, a full refund to my charge card is allowed by XXXX law and US law ( Fair Credit Billing Act 1974 ). 
On XXXX, Chase Visa requested additional information concerning the dispute. On XXXX, I provided copies of the XXXX XXXX email stating they canceled the flight ; copies of my attempts to contact XXXX XXXX for a refund ; a chronology of all communications with Air XXXX ; and a clearly stated summary noting that I did not cancel this flight. XXXX XXXX replied to the dispute that I canceled the flight ( no proof given, just the statement ) and this was a " non-refundable '' ticket so not eligible for a refund. Chase agreed and said the charges were valid, even though they had written proof I did not cancel this flight. 
I re-disputed these findings on XXXX providing yet more information and emails from XXXX XXXX showing I did not cancel the flight. Again, on XXXX, Chase Visa replied that, " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account. '' I contacted Chase Visa Disputes department and was told that there were no " errors '' in my billings. The agent also said this was evaluated as a " billing error '' dispute, not a " merchant did not perform contracted services '' dispute. She continued to say that there was nothing more that could be done since I had re-disputed these charges, but if I wanted, i could resubmit all my data again and possibly it would be reviewed. 

I don't understand how this is a valid charge against my account and that Chase Visa has sided with a merchant that clearly has committed fraud, at their own acknowledgment. What can a consumer do in these cases where Chase Visa chooses to blatantly ignore the facts, written proof, and charged the account? Where can I get help? 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

I demand that the following account be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

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 2021-08-05
Company: EQUIFAX, INC.
State: GA
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:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: LA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX is trying to charge me XXXX for a debt, I don't know anything about and has it on my credit report and now has turned it over for collections to a new company LVNC funding out of Sc, listed under collections on my report. This unfair for them to try to make me pay for something that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX my Home Equity Credit Line draw period ended. 

I am now in the repayment period and must make {$1000.00} monthly payments. 

In XX/XX/XXXX the creditor increased my monthly installment agreement payment from {$1000.00} to {$1300.00}. 

I can not make the new monthly installment agreement payments due to reduced income and financial hardship. I must make additional {$500.00} monthly payments on a XXXX XXXX XXXX  Home Equity Credit Line. As such, I do not have enough monthly income to pay all required monthly necessary living expenses. 

I tried to get a new Home Equity Line of Credit and a Home Equity Line Modification to resolve this matter but was denied. 

I have paid all original Home Equity Credit Line amounts down from {$180000.00} to {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX an unauthorized withdrawal of {$1000.00} was attempted from my checking account. Because balance in account was low, the withdrawal was declined. On XX/XX/XXXX I visited the bank to close this account and alert bank to fraudulent activity. The bank employee put a " hold '' and " watch '' on this account so as not to disrupt my ss deposit on XX/XX/XXXX. I also opened a new checking account. 
A second attempt at a {$1000.00} withdrawal occurred on XX/XX/XXXX and was successful. 
I visited the bank on XX/XX/XXXX and closed both checking accounts and a savings account. 
The company attempting to steal from my account is COINBASE with headquarters in XXXX XXXX, CA. 
When I called the company number XXXX to shut down my account ( XX/XX/XXXX ) the person I spoke to ( XXXX XXXX ), requested that I load software to my computer so he could remotely access my computer. Why would he need access to my computer to shut down my account???? Permission was not granted and I disconnected conversation. 
I have notified COINBASE via letter dated XX/XX/XXXX to close my account. 
This person also called my cellular provider and changed my account to a different provider, and I could no longer use my cell phone. 
This security breach has been an ongoing nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Quality Recovery Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quality Recovery Services # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Credit Management Company has billed me for a past medical expense. It was an unfair and surprise expense, but since it was only {$20.00}, I just paid it instantly. Months later, I'm still receiving phone calls and voicemails every single day from them. One of their many numbers are XXXX ( XXXX ) XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in contact with XXXX XXXX  XXXX XXXX  over a year ago in regard to this fraudulent account. 

The fact that Portfolio Recovery has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a XXXX  employee, and my job is contingent upon my credit background

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2020-04-30
Company: Social Finance, 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: Account information incorrect

Complaint:
I paid off my SoFi Loan # XXXX on XX/XX/2020. SoFi has updated the credit bureaus that the loan has been paid in full expect XXXX. I submitted a dispute to XXXX  and the result came back as still owing a balance. The loan balance had been updated to XXXX and then XXXX  placed a balance back on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting

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 2018-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made a mis-payment of XXXX on XX/XX/2018 from my checking account electronically to Capital 1 credit card that was closed inXX/XX/XXXX. I have made numerous attempts as well as XXXX XXXX XXXX to rectify this problem since XX/XX/XXXX without resolve. I have spoken with 6 different supervisors at Capital 1 at XXXX. I have supervisors employee numbers if needed. The Case # is XXXX Credit card # is XXXX. I am very frustrated and do not know what else to do to recover my {$200.00} mis-payment. Any help you can give me would be greatly appreciate. I have documentation that I am unable to submit with this form. I have a letter from Capital One and my bank account payment to Capital One on XX/XX/XXXX. If this documentation is needed for you to move forward on this complaint, I will gladly mail it to you or try and email it with the attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}

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 explanation