BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I disputed a visa debit card transaction with Chase on my personal checking account for {$300.00} charged to my account on XX/XX/2023 " XXXX XXXX XXXX XXXX XXXXXXXX FL '' I have never been to this place, nor have I ever used my card to pay them nor received services from them. 

On XX/XX/2023 Chase wrote back and stated the transaction was authorized per their research. 

on XX/XX/2023 I called and spoke to Account Supervisor " XXXX '' who stated they belive the charge is authorized as the chip was in place and the PIN was used. 

I asked for a further review. XXXX refused and denied my claim. 

There is no way I made this transaction. 

I have had my card in my possession at all times. It has since been canceled and replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: MI
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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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 am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies. 
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name. 
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: WV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received my final bill for my lease with Chase Auto Finance sometime toward the end of XX/XX/2018. I called Chase Auto Finance on XXXX and spoke with a service rep, XXXX, employee # XXXX regarding my final bill. The total due was {$690.00}. The letter I had received from Chase indicated that I could call the XXXX number to make payment arrangements, so I called to do so. XXXX was friendly and helpful and advised me that Chase could set up payment arrangements in the form of two payments. One payment, in the amount of {$340.00} would be made that day ( XXXX ) and the other and final payment would be made XXXX. I agreed and made my first payment over the phone that day. He advised that I would receive a call on XXXX to make the last payment. I specifically asked if this would affect my credit in any way and he told me it would not. On XXXX, I was checking my credit report and see that I have a late payment, 30 days past due on my Chase Auto Loan. This  dramatically changed my credit score. Needless to say, I was upset. I called Chase back that day and spoke with employee # XXXX. I explained to her my dilemma. She said, " Well yes, you can set up payment arrangements, but that does not mean that your account wont be past due and will not go to collections. '' I was floored by this. The letter I received initially does say the amount is due upon receipt of the letter, however, it also says " If you have any questions or need to make payment arrangements, please call. '' The letter does not indicate anywhere that although you may be able to make payment arrangements, this does not mean you will not incur late charges or that your account may be sent to collections. Also, when I called to set up the payment plan, I was told this would not affect my credit. If I had known this would be considered late and sent to collections, I would have figured out a way to pay this in full. I feel that I was misled. I had this auto lease loan for three years and never once missed a payment. I paid on time for three years. Also, on XXXX, I did make the final payment of {$340.00}, so this account is paid in full and closed. All I ask is that this is removed from credit report. I have filed a dispute with XXXX to no avail at this point. I just filed another dispute today ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: EQUIFAX, 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:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Equifax have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX  and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2019, a collections account, in the amount of {$1400.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX XXXX XXXX. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX XXXX XXXX immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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: Account information incorrect

Complaint:
XXXX, Transunion and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

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 2021-06-08
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recieved an email from American Coridus saying I owed money to XXXX. I did a debt consolidation and it was paid off over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: AMERICAN EXPRESS COMPANY
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: Public record information inaccurate

Complaint:
Applied for American Express Card upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the Amex app. We went through this several months ago with my wifes Amex card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but Amex continues to send this report. Have been a customer of Amex for 23 years. Dont think we will make it to 24 years but I want this information fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2018 XXXX XXXX XXXX started calling me and my family members. I answered his call today and they informed me my navient loans had gone to a collection agency. Apparently navient sold my loans to a company named XXXX and did not tell me nor did the company XXXX. So without any notice we did not know we had payments to XXXX because the navient website says XXXX balance. We received nothing in the mail or email and the harassment from the XXXX XXXX XXXX began. We would like to join the class action lawsuit against navient for illegal practices and damage to our credit, or they face consequences for their actions. The total of the loans are approximately {$400000.00}. We finally have setup a payment plan with 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 2018-08-08
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:
Transunion is apparently looking into an entry on my credit report that is usury in nature- investigation has taken over 30 days, Transunion responded to complaint -XXXX but it did not come close to addressing my issue and the investigation is still open. Please note that Transunion is the only reporting agency who has this usury account listed, the other two removed it as it is illegal

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 2019-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian - I can not reach a human to discuss the status of a fraud alert. I sent my personal identifying information after failing to answer security questions correctly due to INCORRECT information in my file. I have a student loan pending where I am the cosigner and find it so wrong to not allow us to speak with a customer service rep. In addition, I have tried many times to upload my identifying information and I receive this message - no length of time elapsed - it just won't work : " Either there was no activity for an extended period of time or you do not have an active session and the page has expired. We have discarded any documents you were in the process of uploading. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I received an electronic transaction for the amount of {$200.00} yesterday XXXX/XXXX/XXXX, at XXXX pm. I called the costumer service number for chase bank at XXXX, making sure that the transaction was successful and was told 'yes '. I called to make sure because I knew that had I an automatic payment for a credit card. Now the bank says that the money was not available and they charge me an insufficient fee of {$34.00}. They do n't want to refund me that money after a bank representative said that the funds were available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is another complaint for Experian and XXXX  about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). Experian and XXXX again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. XXXX  said If I have additional questions about this item please contact XXXX XXXX XXXX  which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that Experian and XXXX  can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The Law Firm of XXXX XXXX XXXX first sent a letter in XX/XX/2020 which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/2020 and received on XXXX. They are even deceptive in their mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was informed by a lender that I have unsecured debts of {$5200.00} reported by XXXX XXXX, a collection agency. 

The credit card ending XXXX. 

I did not authorize anything. I don't have the card. 
I do not know if scammers are using the card. 
I have no idea what {$5200.00} is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been unauthorized and illegally opened not by XXXX XXXX XXXX. Due to that this account needs to be removed ASAP from all 3 credit bureaus. Thank You

Company response to consumer: Closed with explanation