BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, someone claiming to be me called JPMorgan Chase customer service. They gave them an excuse as to why they don't have my phone or access to my email account associated with the account. They then told them all they have to verify my identity is my ( stolen ) business credit card # and XXXX #. My credit card never left my possession so this card # was compromised from a website I do business on. The bank representative gave them my login, and a new password. Within a few minutes that bad actor accessed my business account, linked my personal accounts, subscribed my email account to a spam bot engine in an attempt to inundate my mailbox with so many emails I would be unable to find that one email from Chase indicating a new login has occurred from a new IP address. 

I immediately locked down all my accounts and got rid of the new email address and cell phone # that was added to my account. I was also able to break the link between all my personal accounts and my business accounts. 

Upon investigation by Chase, they notified me a bad actor called them on XX/XX/XXXX in a failed attempt to take over my account. My account was then frozen, requiring me to visit a bank branch and show ID before it could be unfrozen. This all happened without my knowledge as not notification was ever sent to me regarding a freeze. On XX/XX/XXXX, the bad actor called again, persuaded the Chase Rep to unfreeze my account and give the person my credentials over the phone. This person now knows how much I have with Chase bank and I assure you he will either try again or hand the job off to a more senior level bad actor who knows how much work will be involved to get into my account with a nice pot of money available. I have begun the process of moving all of my money out of JPMorgan Chase Bank as a result of this latest hacking incident. It was COMPLETELY out of my control. I did nothing wrong. Chase was 100 % at fault for giving my credentials away to criminal and should be held accountable. 

This is the THIRD time my account has been hacked and I strongly believe the previous time this happened Chase did the same thing and gave someone my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
The company, Portfoliorecov has called repeatedly almost everyday, several times a day for at least 3 years.They call from different phone # 's, looking for people I do not know. I have requested many times when I have answered the phone to not call my #, no matter who they are looking for, I have also reported them to the National Do Not Call List many times. This company still calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
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: Account information incorrect

Complaint:
I have sent the proof to XXXX, Transunion, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

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 2019-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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 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 2021-11-24
Company: Experian Information Solutions Inc.
State: TX
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 have been disputing inaccurate information on my credit report for a little over a year now & the company who is reporting that I have a charge off is reporting inaccurate information so I know for a fact that the bureaus are continuing to leave this charge off on my credit without properly investigating this issue. XXXX XXXX Bank is the creditor & has not provided me with any information or documentation showing that the account does in fact belong to me, if unable to provide concrete proof then they are supposed to delete this information from my file. The burden of proof is actually on them to prove it, not me

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent the below letter to XXXX XXXX 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate XXXX XXXX removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for XXXX XXXX credit or auto finance products, nor was I. 

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my privacy rights.

The inquiries in question are on the following credit reports : XXXX : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 | Transunion : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 I request that you mail me a

copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.

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 2023-01-10
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a home equity loan with the lender since XXXX. During that time, I regularly made additional payments ( XXXX payments a month ). I had about 2 years in additional payments that had been made, understanding that these additional payments advanced my payment due date. When making a payment, the only options are " regular payment '' or " apply to principal ''. These additional payments were all marked as regular payments Paragraph 8 of my agreement says, " All regular payments will be applied to the satisfaction of scheduled payments in the order in which they become due. '' Despite this, the lender decided that they were " changing the policy '' and ending that ability. Now, a payment is required every month, regardless of whether XXXX payments were made in the previous month. This is not something to which I agreed. They are referring to these additional payments as " prepayments ''. But that is not what they are. A prepayment is when one pays a substantial amount at once -- which I sometimes also did. 

I have never missed a payment, but I make these additional payments in case of an emergency when I would not be able to make a payment ( a catastrophic illness, job loss etc. ) But PNC wants to be able to collect late fees. They insist they can change the terms of my contract at will -- though there is nothing in my contract that makes such a claim. Indeed, if there were, I would have gone to another lender. 

When I called about the issue, it took speaking to XXXX different people, over the course of XXXX days -- they had to call me back instead of transferring me to a manager. They refused to be of any assistance, treated me as if I were ignorant ( " We sent you a letter of the change '' -- as if that is enough to alter a contract ). The last person told me I would have to show where in my contract is says they CAN NOT change the terms of the agreement without my consent -- as if contracts are only binding if it says terms can not be altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have newrez or shell point, we tried to get money out of escrow, they do it pay homeowners on time, and just screw up on everything. They say they can pay homeowners insurance 30 days late while I get letters from home owners insurance that they will drop. We put 50 % down and have never been late. They said we dont meet requirements which we do. Calling lawyer and states attorney for XXXX over old people. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-12
Company: Bread Financial 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.

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 2021-11-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I live in California, Pacific time. I tried to make a payment to my Amazon Credit card on the due date, XX/XX/XXXX. I was online at XXXXXXXX XXXX Pacific time and Amazon Credit Card ( outsourced to Synchrony ) wouldn't accept my payment. I called Synchrony and they count due date in Eastern time Zone! So I was told that I was going to get a late fee because I made my payment on the due date but not Eastern Time. I lodge this complaint because I believe this is a scheme by Synchrony to collect late fees. I know that technology is available to accommodate the different time zones, so Synchrony should stop gouging customers who aren't in Eastern standard time.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Under U.S.C 1681 vin accordance with the FCRA, The listed accounts below has violated my consumer federally protected 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 XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account # XXXX TRANSUNION ( different account numbers ) Account # XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  ( different account numbers ) Account # : XXXX XXXX 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. 

They also didnt even record the current status of the disputed information which is another violation..

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 2021-11-16
Company: EQUIFAX, 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:
Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were reinserted. 
XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
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 XXXX Account # XXXX, has violate my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}

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 explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions 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:
Filed a dispute with Experian in XXXX and they never contacted me about the results and it defitiantely took longer than 30 days. When trying to file another dispute they would not allow me because I already had one 2 years ago. XXXX had already corrected the dispute and I can't understand why the others haven't. The disput is against XXXX XXXX. It involves a federal Declared disaster XXXX XXXX Hurricane Florence.Had to evacuate in order to survive and the apt was unhabitable for many months afterwards. They received insurance for the damage. If they didn't it was their own fault if they didn't have any. XXXX lost all her personal belongings. It bothers me because the credit agencies take others at their word and can put anything on your credit report and it cost a consumer money as well as agrivation to try and get it straight. This is not right. A consumer should be able to sue credit agencies and they should be held accountable for investigating things in a timely manner and getting back in touch with the consumer.

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