BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm pretty disappointed and feel like I am being taken advantage of. Not to mention, what will happen to my credit score. 
Events : A few months ago, I opened an account during an XXXX purchase. Early XX/XX/XXXX, I asked my community which company provides credit accounts during an XXXX purchase. I made numerous phone calls, however, couldn't get through without an account number. My reason for contacting your company was because I hadn't received anything yet, not a card or a statement. At this time, I was told the fee would be waived and my card and statement would be sent by mail. Nearly a month later, on Wed., XX/XX/2021, I called again because I still hadn't received anything. Again, I was told the fees would be waived and the card and statement ( s ) would be sent by mail. Mon., XX/XX/2021 I received a card.XX/XX/XXXX, I received a letter which statements. I noticed the balance was high. Then I noticed the statement had a different account number than the last 4 digits listed on the paper that my card was attached to. So, I called again Wed., XX/XX/2021. I was told the credits would appear on my next statement, which is fine. Then, I was asked if I wanted to make a payment. I asked how much the minimum was because I wanted to compare with the statement/bill... The amount on the bill did not match what the gentleman told me. It was {$100.00} more than what was on the bill/statement, of {$77.00}. 
I tried to send this message on 3 separate occasions and both times a prompt appeared saying, " We couldn't send your message. Please try again later. '' At this point, I feel I can't trustyour company and am nervous about making a payment over the phone. I still have no clue what is going on. Most importantly, I do not want my credit to be affected. I'd like my account number, my original balance with a fair minimum payment, fees waived, as promised, legitimatestatements from the beginning, and a valid card. Matter of fact, honestly, you could even keep the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX 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 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 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 2021-04-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There is no way to make payment towards your loan principal online. I try to contact Navient customer service, but they are closed and their XXXX customer service bot does not provide any information on how to pay toward principal, only how to make normal payments towards fees and interest. After spending an hour on the website, I was able to figure out how to pay towards my principal. In order to make these payments towards principle, you have to write a check and mail it to Navient, and include a note that specifies that this payment must be made toward principal and include account number. You have to find the address, which is different depending on the type of loan you wish to repay. 

Additionally, Navient offers settings online that determine where any overpayment might be sent. None of these options give the choice of paying towards principal. 

In order for anyone to pay off a loan within a reasonable amount of time, it is advised to make additional payments towards principal. As a loan servicer, Navient knows this and clearly does not want you to pay down principal as evidenced by how hard they make it to make these payments and to find information on how to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
a fraud alert and personal statement was placed on my credit file without my authorization.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting that I had an account with them and i have never had an account with them. I have had the same number for years and have been with XXXX for years.

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 2023-03-17
Company: EQUIFAX, INC.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$9.00} ; XXXX XXXX Balance : {$18.00}.

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account with Chase Bank actually XXXX  accounts XXXX  I have direct deposit one I do not have direct deposit because on the third account I don't have direct deposit I have to make XXXX purchases a XXXX keep from getting any fease I'm making the purchases which bills Are being paid on that account monthly so I am making a XXXX purchases but at the end of every month I keep getting this {$12.00} and sometimes I sent the XXXX and XXXX and XXXX again I don't look at my account too often last month I looked at the account and they had been doing it for months even though there has been XXXX purchases every month white clock work But they continue to take that XXXX dollaresult for a fee for not making the purchases I contacted Chase Bank a month ago they credit me all the {$12.00} fees But again last month The fee was charged to my account again when I looked at my statement this is a ongoing situation I am unable to close the account because I have to come in to a branch to close the account as well as my son because I was the payee of his account when he was receiving social security Besides that the closest branch is XXXX and a XXXX hours away there's nothing closer and they would not do it over the phone so to me this is a loose loose situation I contact them over and over again and they keep putting my money back but they shouldn't have to do that if they would stop giving me the fee and I'm making the required purchases I would appreciate your services on helping me with this problem Thank you so very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: MI
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 checked my credit report and noticed this was a closed account in collections and I never had a account with 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX 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 non-monetary relief
Consumer complaint received 2023-07-04
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: ALLY FINANCIAL 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 belongs to someone else

Complaint:
Once again I notice Erroneous and Wrong information on my credit reports regarding the account of Ally Financial Bank .... See attachment!!! 

On XXXX they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see XXXX pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact ALLY FINANCIAL is reporting inaccurate and inconsistent information on 3 different credit reports.

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 2023-11-14
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 XXXX in charges were charged to my account in the middle of the night - 9 charges to one merchant. I received a text asking if it was me which woke me up in the middle of the night. I responded no, immediately turned off transactions and cancelled the card. I filed a dispute, declined. I filed a rebuttal, declined. I filed a rebuttal which included a copy of my transaction history with the merchant and a police report, declined. On the phone just now they told me to file and insurance claim. When I asked what needed to be given to them outside of my first born child ( I was upset ) they just repeated the things I already submitted to them. Their literally is nothing else to give. 

I have attached a copy of the police report, XXXX complaint number, transaction history as well as account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/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  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 non-monetary relief
Consumer complaint received 2021-04-17
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Mr.XXXX XXXX is having problems with a debt collection with Pressler & Pressler of having a substantial bill of XXXX with XXXX XXXX XXXX that was paid in full with my insurance company with XXXX Medicare during XXXX for my XXXX, This has been going on since XXXX until the present, I'am trying to closed on a house and I spoke to XXXX XXXX at XXXX fax # XXXX on Tuesday XXXX XXXX had said he want to resolve this issue, but I contacted The billing department of XXXX XXXX of whom is associated with XXXX XXXX XXXX the same day Manager name is XXXX number is XXXX whom sent my billing report that stated I owed XXXX balance, I immediately faxed to Me.XXXX XXXX and gave him several calls that and up til XXXX still no answer he and company Pressler & pressler seem as though they want me to pay for a bogus bill of what of which I owe nothing, I need to get this resolved asap, but no one has contacted me as of yet, Pressler & Pressler is located at XXXX XXXX XXXX XXXX , NJ XXXX , this is a bogus claim whom was file by a third party and I don't know who did it, but this issue is need to be cleared on my self asap, I need with this unlawful claim for it to be removed promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CITIBANK, N.A.
State: TX
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:
CitiBank app notified me that there were multiple fraud charges on my account on XX/XX/XXXX. I locked the card, and they sent me a new one immediately. The fradulent charges were removed from my card/transactions and I was told they would review my account for any further charges. I checked my account again on XX/XX/XXXX and the charges were placed BACK on my card and were no longer marked as under investigation. The security credits were removed. I disputed the charges for a 2nd and 3rd time and also called CitiBank again. I was informed that the charges were still under review, but the security credits were taken away and that the charges would remain on my card/account until at least XX/XX/XXXX. I do expect and appreciate the investigation to be performed, but those charges should not be on my account without a security credit, as this will affect my statements, interest, etc. When I called on XX/XX/XXXX, the agent I spoke with claimed my issue didn't start until XX/XX/XXXX, despite CitiBank being the ones to send me a notification and alert me of the fraud in the first place. Some charges were before XX/XX/XXXX, but I was not notified until that day. I am also trying to improve my score and apply for another card, but I was denied an application due to this fraud issue that CitiBank is failing to resolve.

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 monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief