BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX my great grandmother died and left each of her great grand children {$500.00}, my grandfather set up 5 identical trust savings accounts at chase bank for each grandchild. No money was allowed to be taken from these accounts until the grandchild reached age XXXX. I have been getting bank statements since XXXX showing that {$5.00} has been taken out of the account every month for service fees. I finally got to go to chase bank to try to figure out whats going on because no one is allowed to take that money out but me when I turn XXXX. My account that started out with {$500.00} in it is down to {$110.00}. Chase bank said that someone wrote a check to XXXX XXXX in XXXX for {$230.00}, which is insane because seeing as how this is a trust savings account with NO checks linked to the account, and because that money is not allowed to be touched without a court order not to mention I was only XXXX in XXXX and couldnt even authorize money taken from the account even if I wanted to. I did not write the check in XXXX, so this is a fraudulent charge. Chase bank just got back to me today and said they will NOT be giving me back the money because its been more than 60 days since the initial fraud occurred. Theyve taken almost {$400.00} of my inheritance from my great grandmother and refuse to give it back. Seeing as how that is my inheritance money and I did not write the check in XXXX, I just want the full {$500.00} that was in the account restored. I am unsure whether or not they are still taking money out of the account. None of the other grandchildren have had this issue, and they even got interest added into their accounts. I simply want the money that was taken from me back in the account so I can pull it out and put it up for future use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I made a purchase on XX/XX/2021 by using my Amex Platinum card. It was {$2300.00} on XXXX website. They shipped out a XXXX package and I never received it. I dispute this charge several times and Amex didn't take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving harassing phone calls and will be meeting with counsel to file suit against said debtor. 

They have provided no proof that I owe anything it is all hearsay, until the provided information is received the debt is not understood. 

I am giving 30 day response time with all documentation provided, or debt be removed. Per my legal 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 explanation
Consumer complaint received 2023-09-15
Company: MOHELA
State: FL
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:
As student loan repayment approaches, I sent in my request for to be put on the SAVE plan. Under the SAVE plan, with my current income, I should have $ 0 monthly payments. A month later, I get two letters one my loan servicer, Mohela. One is dated XX/XX/XXXX and one is dated XX/XX/XXXX but both showed up on XX/XX/XXXX. The first one claims my upcoming payment is {$0.00} but the second one says {$99.00}. I called Mohela and spoke to a customer service rep. I was told that they had no idea why this mix up happened and they would see if they could fix it by the time payments resume. I was told that they tried to " delete '' the {$99.00} request ( which I never made ) and that it would take 2-3 weeks to show up in my account. 

A few months ago, they also " lost '' my PSLF annual certification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I applied for a card in a best buy store. Approximately 10 days later I called to get a new card and was told I would need to verify my account to change my address and get a new card. I was told I would get a call or a letter to verify my address. I received the letter but no call. I called in to verify the code in the letter and was told I would receive a card in the mail within 10 days. Approximately ANOTHER 10 days later I called to let them know I had not received the replacement card. They locked my account and told me I would get another call and/or letter. I have not received either yet and need to make a payment on my account. On the other hand, I would also just like my card because I do not know where these cards are going and/or who has them. I have also been told they are unable to verify my account via text message because they can not send a text message but I get text messages from them telling me that my card has been shipped or returned to them.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX dispute letter, FTC, and Identification documents attatched. 
Pursuant to 15USC 1681i company has 30 days to respond.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Nelnet, Inc.
State: MD
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:
Great Lakes has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet Great Lakes is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I cashed a girls checks and her boss put stop payment so chase bank but the had her bank returned the money. In mean time I moved to XXXX from XXXX XXXX to XXXX and opened a account here in XXXX XXXX. I then found out these 2 checks was send to me. I called chase bank and ask them if I can deposit the checks 1 for {$210.00} and 1 for {$55.00}.

They told me yesterday do I have the app to chase I said yes she then said yes there your checks deposit them. So I did. Weeks later they where returned to my account as no good and charged my account another {$12.00} x 2 on both checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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 am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$470.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX  has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my Transunion credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to Transunion numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my XXXX credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to XXXX to remove these inquiries from my credit report and it has been unsuccessful.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to Transunion through USPS certified mail, Tracking Number : XXXX which was confirmed received XX/XX/2021 at XXXX XXXX  requesting items to be investigated with results sent to me in 30 days regarding erroneous information on my credit report. No response or resolution was granted.

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 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I initiated a XXXX transaction from Bank of America 's mobile app to XXXX XXXX, XXXX confirmation # XXXX for {$580.00}. Within seconds of initiating, while the transaction still said processing, I realized this was a scam. I immediately called Bank of America and couldn't get anyone to assist. I then drove to my local XXXX, GA branch and the branch manager advised to file a police report, which I did and submitted to BoA, and the branch manager called customer service on my behalf. We were jointly told that someone would look into it and get back to me. No one from Bank of America ever responded despite multiple outreach attempts. 

I continue to see articles and postings of other Bank of America customers impacted by XXXX scams, and Bank of America has returned their funds ( example : XXXX news XX/XX/XXXX customer XXXX XXXX, XX/XX/XXXX customer XXXX XXXX ). 

I can not understand what makes these customers situation more important than mine and why their funds were recovered but mine were not.

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 2021-10-20
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ive sent several letters to bureau and companies itself through cfpb and no resolution.

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 2023-02-10
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: Investigation took more than 30 days

Complaint:
the company continues to violate customer laws 15b US 1666B.

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 2021-10-20
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:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/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 2022-05-05
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 received an alert from EXPERIAN Credit Report Monitoring system of XXXX points decrease, BECAUSE XXXX is reporting inaccurate, unverified, not validated and frivolous account ( XXXX ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) XXXXXXXX is VIOLATING my federally and state protected consumer rights to privacy and confidentiality undXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt XXXXollectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, XXXX IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education XXXX XXXX ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct Experian and XXXX, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! 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