BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hi, I disputed charges with Banana Republic credit card, and they are charged through Amazon and XXXX. These charges were dispute about two months ago, and I have periodically called Banana Republic as to where I can submit additional evidence to support my claims, and they told me they would contact me when they needed something. I also called last month asking the same question where I could send additional evidence, and they told me the same response. Today I called again, and they told me the disputes were favored to the merchant. I asked to re dispute, and for them to show me the documents that they received because I did not receive anything. Then, I asked them if AGAIN, if I could please send them information because I have not received anything through the mail, email, or phone calls. They basically decided the disputes against me without listening to my side, receiving my evidence, and not even notifying me of what they needed. Again, I've done my due diligence by reporting the charges and asking where I can send my evidence, and they told me the same thing every time I called. I am requesting the documentation they made their decision with, and to redispute the charges and credit 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 2019-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Chase, thank you for your response that was provided in Ref : XXXX. 
Here is more detained information provided about the loan issued by Chase as a lender : The loan has been provided to meet the home insurance requirement needed for the lender ( Chase ). The Chase Group that utilized the loan information is below : Chase Home Finance LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX This has been recorded in Mers as well, prior to 2010. 

If you still can not locate the loan in next couple of weeks, please let me know. I will be filing a civil claim against Chase, where I would subpoena Mers to get the more detailed information on the loan, to make sure you would be able to locate the account in the Court. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, 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 HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: Bridgecrest Acceptance Corporation
State: MO
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:
Bridgecrest is reporting a loan on my XXXX credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address Bridgecrest sent over to me is not an address I have lived at nor is the signature on the documents my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Community Health Investment Company, LLC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent a bill by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for services rendered on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX centers billing department to dispute the bill. I was given dispute # XXXX from the billing department and was told I should hear back from them via phone. I provided my phone number and XXXX XXXX XXXX XXXX XXXX had the correct mailing address at the time. 

On XX/XX/XXXX I received a notification from a debt collector regarding the above debt in the amount of {$920.00}. I had not received any further communication about the dispute that i filed and no written communication related to the dispute i filed. XXXX XXXX XXXX   stated i owed the amount on file and if i disputed the information i would be required to send a dispute in writing to their office address. The document sent to me contains an address in the upper right corner for : XXXX XXXX XXXX  XXXX XXXX, PA XXXX In addition, the letter contains an address in the upper right corner : XXXX XXXX XXXX XXXX, TN XXXX This address is then listed again in the body of the letter as the address to remit payment. It is also the prefilled address on the stub for remitting payment. 

The body of the letter states : Your account has been placed with this collection agency for collection. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume the debt is valid. 

On the back of the letter i received, there is an address for the original creditor : XXXX XXXX XXXX XXXX, NC XXXX Also there is an address labeled as " Our Office Location is : '' XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX I sent a dispute, via the post office on XX/XX/XXXX, to both the original creditors address listed and the office address listed. XXXX XXXX   XXXX sent another letter on XX/XX/XXXX regarding the debt ( which i received on XX/XX/XXXX ). I contacted them on the evening of XX/XX/XXXX and advised the dispute mailing address is not the office address. I did not receive any communications between these communications, either by phone or letter. I believe this is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX - partial account # XXXX XXXX please see page XXXX of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the XXXX bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Missouri XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX does not have an open case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To the loan but discover interest rate is against legal rate for my state also withdrawal on dates not authorized I have no paper work with terms ssXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was added as authorized user on XXXX Barclays Bank of Delaware card on XX/XX/2019. He went threw a financial hardship which he wasn't able to pay bill. I'm in process of getting a home and need my information remove. I've called company several times also sent letter for removal nothing happen.

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 2020-11-06
Company: Experian Information Solutions Inc.
State: NV
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 listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from 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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
JPMCB Auto Finance is currently reporting on my consumer reports that I have ( 1 ) 30 day late reporting for the month of XX/XX/2018. During that time I had issues with the auto bill pay at my bank as they did not send my payment electronically but it was scheduled to be sent via mail. I was unaware that my XX/XX/18 payment was not received and I was not contacted by JPMCB Auto that my payment was past due. I honestly thought the payment was made. When I realized the funds never cleared my account I made a payment immediately on XX/XX/18. I contacted JPMCB Auto customer service to find out why I was never contacted and to discuss a solution to this matter. I was told that it would not report as a missed payment on my credit, but it did in fact report as a 30 day late. I have had stellar payment history outside of this 1 occurrence and I am currently on pace to pay my vehicle off early as I have been consistently making additional principal payments to the loan for the past 2 years. In conclusion, this negative 30 day late mark on my credit is impacting my overall payment history and preventing me from purchasing a home mortgage. I strongly feel it is truly unfair that I was never contacted or informed of the missed payment and misled to believe it would not impact my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Missouri XXXX XXXX has an open Child Support case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX  does not have an open case.

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 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I sent Capital One several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: U.S. BANCORP
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
There was a {$500.00} purchase from XXXX and multiple purchases to XXXX. Then a form of payment was tried to be made but got denied and payment was reversed so now I have twice as much to owe on that credit card. It's a XXXX Crdit Card.

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 2018-06-21
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX has the wrong social security number listed on my Discover credit card account. XXXX isnt my social security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Chase sent me a renewal XXXX MasterCard towards the end of XXXXr/early XX/XX/XXXX, however I was in XXXX when the renewal card was mailed out ( between XX/XX/XXXX and XX/XX/XXXX ) and never received it. I reported the fraud charges as soon as I saw them on my card statement on XX/XX/XXXX. 

There were a total of 8 fraudulent charges, and Chase agreed to reverse one of them. The other 7 fraudulent charges were not reversed because I supposedly received benefit from those transactions, however I never received my card, never activated it and most certainly did not incur any charge on the new card, AT ALL. 

Fraud charges : XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$720.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$700.00} ( reversed ) I subsequently tried contacting them to review my case three times, in XXXX, XXXX and XXXX. All three times they reviewed the case and held me liable for what are clearly fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS 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 INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-11-18
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS 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 INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: MoneyLion Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I tried to make my monthly payment several times before it became 60 days late. I was told by the representative to wait 5 days to see if the payment would go through. I did that about 4 times with 2 debit cards and 1 savings account. After many attempts, I was told by a customer service representative that there was a glitch in their system and the could not accept debit card payments. Debit cards, he said, went through two processing systems and they are not processing at this time. I went and opened a checking account to make the payment and by that time I was over 30 days late and was reported to the credit bureaus. I do not feel that I should have been reported because I tried to make the payment, but their system was inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Account status incorrect

Complaint:
I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
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: Account status incorrect

Complaint:
I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.

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 2019-09-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XX/XX/2018 after reviewing my credit report a collection on my report, I wrote to the original company XXXX XXXX to provide me with an accurate audit permitted by law and they informed me that the collect has been sold to a collection company LVNV Funding, I wrote to them to provide me with an correct accounting of amount due to them. My request was very clear of what I wanted. Specifically a break down of the all charges and fees, to make sure all consumer law where implemented and not simply verifying that I owe them a debt but a clear understanding of money owed. All I received was a form statement that it was correct but not providing me with a breakdown of fees and charges. The original credit line was {$700.00} and they state that I owe them {$1000.00}. How and where these fees come from my request came with no answer. I follow the fair credit act with the credit agency requesting verification as provided by law and my response was the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.

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