BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: IL
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 credit file is showing accounts on my credit that are reporting without my permission and is violating my consumer rights under FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: OH
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:
Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.

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 2021-09-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole my personal information and identity to open unauthorized and fraudulent accounts and inquiries. I have received harassing and threatening telephone calls and death threats from various credits in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, The following inquiries are unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without 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 2021-09-06
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
Comenity Bank or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 there is a hard inquiry on my credit report from PayPal. When I reached out to PayPal to look into it the automated system stated that there was an open credit card in my name. I have no history of receiving any type of credit card from Pay Pal and asked them to look into the card and close it as well as remove the hard inquiry from my credit report. The woman stated that she did not see any history of my information in her system and therefore could not remove it. However, the information is on my credit report and I never received any type of Pay Pal credit digitally or via a physical 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 2017-03-18
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All highlighted inquiries are not mine, I previously disputed them with both the Credit Reporting Agencies and the Information Providers. These information unfairly remained on my report with the negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It is equifax and they wo n't let me. When ask the identifying questions, they show XXXX items including a mortgage and XXXX credit cards, none of which are mine. Then they wo n't let me go any further. They also have an incorrect address for me on XXXX XXXX XXXX, in Mississippi. Which they wo n't take off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX ( who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX 's attorneys could n't offer any proof. 

If you take a look at my supporting documents ( my letter to the credit agency and XXXX 's letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired SOL '' information from XXXX off my credit report. 

Many thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
NAVIANT kept talking me into forbearances and deferments for almost 15 years making promises and telling lies about how it will impact me. Now I have a mountain of fees and interest I will never be able to repay. I have years of forbearances and deferments from NAVIANT. Not months but actual years!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, Equifax, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XX/XX/XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Equifax on behalf of this matter of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, 2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, 2014. Please refer to the XXXX dispute results, dated XXXX XXXX, 2014. However, XXXX XXXX reinserted the previously deleted information through XXXX XXXX XXXX XXXX, XXXX in XXXX, 2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, 2014. This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. XXXX XXXX XXXX XXXX XXXX has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having XXXX XXXX XXXX XXXX XXXX reinsert the negative credit item under my name. XXXX XXXX XXXX XXXX XXXX is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  / {$160.00} / XX/XX/2022

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent letters again on multiple different occasions. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and it is frustrating me because my rights aren't being protected under the fair credit reporting act.

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