BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: MA
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:
Chase Bank denied my disputed charge of {$800.00} twice, despite the charge very obviously being fraudulent. I was nearly kidnapped in a foreign country, and Chase has sided with scammer who provided faked receipt evidence. 

I flew to XXXX, XXXX, on XX/XX/XXXX and took a taxi from the airport to the hotel - a 30 min drive, which typically costs {$50.00} - XXXX. Upon arrival at the airport, I was approached by many taxi operators, and I believed them to be legitimate as I had no reason to suspect otherwise. I negotiated a fare of XXXX XXXX XXXX  ( roughly {$65.00} USD ) with one of the operators, which I believed I would pay at the end of the ride, like in most countries. But right after I got into the taxi, a man approached my window, took my credit card and charged me XXXX XXXXXXXX XXXX  ( which registered on Chase as {$870.00} USD ) instead. After the card was run the taxi driver immediately drove away and refused me a receipt. I was already in the taxi cab ( with all my luggage ) when my credit card was charged, I was not allowed to see the transaction take place on the handheld card reader device used, and the man who ran my credit card was not my driver. I wasn't even sure that the cab was going to the right hotel at first since my driver didn't speak English and there was no meter. There was no marking on the cab to indicate cab company name, so I was unable to get in touch with them after eventually getting to my hotel. I believed all would be fine after this traumatic experience as there was no way Chase would allow the fraudulent charge through. 

I immediately opened a dispute with Chase to ensure the bank knew that the charge was fraudulent. I paid the originally negotiated amount ( {$65.00} ), but the remaining {$800.00} was under dispute. The fake " receipt '' provided by the taxi company to Chase does not bear my signature ( the scribble on it is very obviously not mine and does not match any of my signature samples ), nor was I ever asked to even sign anything. My card was run secretively and fraudulently. I did not agree to a price of XXXX XXXX, and a {$870.00} charge for a 30 minute taxi ride would be absolutely ridiculous. Unfortunately, given the situation above, the only proof of this traumatic experience is the communication I had via text message with my partner the day this happened, and therefore Chase denied my claim, twice, even after a days-long discussion with multiple bank representatives. This is UNACCEPTABLE banking practice on Chases part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S. C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: IL
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:
HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. 
On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: IL
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:
HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX account is currently reporting open : XXXX XXXX XXXX  and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a XXXX BALANCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-25
Company: MARINER FINANCE, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I opened a debt with Mariner Finance in the amount of {$2500.00}. I then experienced health problemXXXX XXXX XXXX XXXXXXXX, Im a XXXX XXXX XXXX XXXX XXXX  XXXX I joined a debt relief program and was advised to stop paying my debts, which I did. I later was informed that Mariner Finance would not be willing to work with them, & at that point I was behind on payments. I was then sued by Mariner & agreed to pay $ XXXX with the new amount being {$2800.00}, which included their court fees. My recent check was garnished without my knowing in the amount of {$460.00}, which is causing significant financial hardship and Im now unable to pay my bills & support my family. I never received the debt validation documents and currently do not even know where I am in the payments because Ive had no correspondence with them since the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 2 phone calls from this number on Wednesday ( XX/XX/XXXX ), 2 more on Thursday ( XX/XX/XXXX ), and 1 on Friday ( XX/XX/XXXX ). I did not answer the first four phone calls. However, I answered the call on Friday ( XX/XX/XXXX ) and was asked to speak to XXXX XXXX, I responded speaking. I was told that the purpose of this call was to collect a student loan debt for Navient, and then the call was disconnected after 26 seconds. I have not received a phone call since then. 

I am beginning to wonder if this phone call was from Navient after all, so I am reporting it as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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:
The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XX/XX/XXXX XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy. 

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX  BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH XXXX AND EXPERIAN ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX XXXX AND EXPERIAN ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX XXXX AND XXXX ( XX/XX/XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX I wrote a check for {$1500.00} to the XXXX XXXX Georgia property tax unit, and put it in the mail. 

On or about XX/XX/XXXX I received a notice from XXXX XXXX that my property taxes were in arrears. I looked in my checking account and saw that this check had been stolen, washed and deposited, via mobile deposit, at PNC bank for the benefit of XXXX XXXX. All customer fields had been overwritten. My signature had been forged, and the amount was overwritten to the original amount : {$1500.00}. PNC accepted the deposit, and my account was charged. 

I contacted my bank immediately ; they have been trying to get reimbursement from PNC. Today, at the suggestion of my bank, I filed a complaint with PNC case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I WAS REVIEWING MY CREDIT REPORT AND I SAW ACCOUNT WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY INFORMATION AND APPLIED FOR THIS. I DON'T HAVE ANY SIGNATURE OR AGREEMENT WITH THIS COMPANY.

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 2022-11-28
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Fraudulently claiming XXXX owed on a fully satisfied lease agreement. 
Company claims this is an early termination fee for lack of sufficient notice when. 

1 They received Mutiple notices 3 months in advance. 
2 They refuse to acknowledge they have received the notices despite showing them 3 They claim a 60 day notice is required on a month to month 30 day lease which is violation of Nevada State Law 4 They refuse to acknowledge all written communication that the term of the lease was satisfied in full with more than sufficient notice.

5 They knowingly used litigation trickery to lead us into a month-to-month extension on this 60 day notice without disclosure.

6 The matter is going to court and there is no amount due unless ordered The co-conspirator collection agency they use to exercise this same scam on many people is IQ Data International Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My citi card still shows as negative on my reports despite being closed years ago with no balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-08-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management will not validate the debt with original documentation and Midland Credit Management keeps pulling my credit and stating they are an original creditor, they also sued me in the wrong jurisdiction and the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Professional Finance Company, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Finance Company , Inc . 
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 {$690.00} The company did not send the collection to the actual address on file but instead seemed to have performed a search based on the name and sent the bill to me. This company does not perform its due diligence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
All files were sent to my mortgage company Mr Cooper. Did a modification because of XXXX XXXX. Had a 3 month trial on XXXX XXXX and XXXX and paid {$790.00} all XXXX on time. My very first mortgage payment was due on XX/XX/XXXX. It didn't happen because there was something wrong with the Contract.

I ended up signing 5 different Contracts before the modification was corrected. I have all 5 contracts hard copy in my possession. I called 2 and 3 times a week to get this done. They took way over a year to get it right. I have way over 60 digital recordings speaking to one agent to another, they did not fallow through! 
They finally gave me a second 3 month trial. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For {$1300.00} per month. I am still paying this amount now. They sold my mortgage to my now mortgage company XXXX. Just had a XXXX XXXX going through recovery. Very disappointing! 
There is lots more to this story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX Has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called several times to get income payment driven loan and always forced into forbearance as they presuded me this was the best option. My student loan was $ XXXX and now $ XXXX with the bulk of it forbearance interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: DISCOVER BANK
State: NC
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:
DiscoverCard is breaking the law again! DiscoverCard is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

DiscoverCard is maliciously coding my account! Delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have contact equifax and XXXX regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation