BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. XXXX XXXX/XXXX. Since I used this service through my Chase Bank app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on XXXX before realizing it was probably a scam. I called Chase Bank, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to XXXX after confirming that the certified check was bad and would eventually bounce. XXXX lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked XXXX for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out. When I contacted Chase again, they said that wasn't the deal, and they would have no part in investigating this. I called XXXX back, who directed me to Chase. I finally spoke with someone at Chase that told me none of this was their problem since I initiated sending the money - even though I was tricked into doing so. I received zero sympathy and they said this wasn't considered a scam or fraud ... despite the fact that I'm now out {$1700.00}, feel like a total idiot, and no longer feel like I can trust my bank. Completely dismissive and I clearly have zero recourse, despite the fact that I used my banking institution that I thought I could trust and would help cover some amount of losses or liability. Apparently fraud is only fraud when I don't initiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
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:
On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 2020-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Portfolio ( two accounts XXXX and XXXX ) ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt and that I was late leading to a chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.

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 2022-04-04
Company: Lendmark Financial Services
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a XXXX  XXXX card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows Lendmark Financial, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from  OneMain Financial stating that I owe them {$3800.00}. I never sign any paperwork for a loan with OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Navient Solutions, LLC.
State: MN
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:
I found out I qualified for the loan repayment program and signed up for that in XX/XX/XXXX when I began a new job. I have recently come to find out that I was lied to. It was NOT a repayment plan for the PSLF, but an actual reconsolidation instead via a 3rd party along the way. Thus, all the payments I have made since XX/XX/XXXX have not, nor will be, counted toward my 120 total  payments needed for the PSLF condition. I was told that I'd probably be done paying by now. I'm currently enrolled with the PSLF loan and seem to be on the right track now, but all of the payments before this mixup of the XX/XX/XXXX reconsolidation that should have been counted can not be due to the lie I was told. I probably did sign some form then but obviously it wasn't correct and I have no clue how to fix this. I want to talk with someone bc I've been paying consistently since XX/XX/XXXX. My student loans are still high as ever and will soon be even with my house mortgage payments. I feel so defeated and beyond devastated. I am just not getting the correct information and being transferred nonstop. I've never done this before and was the first to go to college in my family. Please help me figure this out so I can get the credit for the years XX/XX/XXXX-XX/XX/XXXX I have been paying off my student loans and working in a nonprofit organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: IA
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:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2022-04-04
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgagein the amount of {$130000.00} on XX/XX/XXXX of 2021 to Dovenmuehle mortgage. They owe me {$780.00} in escrow and still have yet to send me a check in that amount. I have called and chatted multiple times about this issue and they give me the same lines every time. " There was a problem in processing this refund, would you like to open a work order? '' Nothing has been resolved to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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 sent a certified letter to Equifax in XX/XX/2021 asking for the original creditor so I can reach out to the company reporting the collection. I have heard no response and it has been over 60 days. I want this account removed since I can not validate the debty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN REGARD TO : EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT CERTIFIED LETTERS DETAILING AND OUTLINING I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED AS WELL AS FORGERY IN MY NAME I HAVE SENT IN ALL SUPPORTING DOCUMENTATION AND ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY CONSUMER RIGHTS AND I'M HIGHLY UPSET. 
THE WRONG FRAUDULENT NAMES LISTED ON MY CREDIT REPORT ALONG WITH THE WRONG FRAUDULENT ADDRESS LISTED HAS CAUSED ME FINAINACIAL HARDSHIP.

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 2022-08-08
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:
n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with Experian a couple of times, I feel like they 're not properly investigated my dispute. And all they 're sending me every 30 days is a credit report no letter about the information about my investigation of my dispute. I have asked for them numerous times.   Account :   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 2021-05-15
Company: Experian Information Solutions 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:
I have repeatedly asked for verification and Experian, XXXX, and XXXX not show how it was verified or any proof of verification. This constantly incorrect information is destroying my life and preventing me from getting a mortgage to save my house from being taken from the bank. I need help. All the negative information being reported is related to fraud and Experian, XXXX, and XXXX just keep updating even though I have shown them the fraud.

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.

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 2022-04-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against XXXX XXXX XXXX. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is XXXX 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. XXXX XXXX XXXX did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ).

I was sent a summons though the mail in XXXX  that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).

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 2018-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 status incorrect

Complaint:
XXXX continues to report accounts XXXXXXXX XXXX and USAA savings bank as open when it was closed XX/XX/2015

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: GA
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:
I previously had not been able to get into and finally today I see where with citi did I misunderstood that it had been closed with the dispute? I am still in process of receiving this previous statement of owing {$190.00}. XXXX for a purchase on XX/XX/20 ( {$98.00} XXXX and XX/XX/20 ( {$98.00} XXXX totaling the {$190.00}. Would this company not acknowledge since I am disputing charges and had stated repeatedly that no purchases would I make again until I had a XXXX balance of them correcting charges that was done WITHOUT MY PERMISSION. I received this bill on XX/XX/20. They had me sign a sheet stating that the account would be closed to protect it from further fraudulent activity on XX/XX/20 but yet another charge was on the XXXX?. Not one charge is being disputed but 9 at the moment. Excuse me 10 because yesterday I received yet another package in mailbox, I left it in box, wrote refused as I have done with all the others and mailman picked it up today. So please advise Citi to do as they stated they would!!!! I have only received two letters stating dispute has been opened one for {$100.00} and the other {$98.00} ... ... I need confirmation of all thru mail, please. I am looking forward to having a XXXX balance and closing this card permanently. This started in XXXX and its now XXXX ... ..I am indebted to your Bureau for helping me. This has been a struggle for them to get involved when I am a customer that usually pays the entire bill for each statement unless I have a balance transfer. I am never late and I only want HONESTY!!!! I am so ready to close this folder of all my letters to them unanswered until YOU ... ... I thank you!!!! Have a great weekend!!! Thanks again so very very much!!!! 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 2017-06-10
Company: EQUIFAX, INC.
State: AL
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 pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.

Company response to consumer: Closed with explanation