BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Because of my identify theft issue, cyber criminals able to deposit fraudulent checks and withdraw funds thru electronic transfers. That caused other transactions bounced back with return fees and overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email stating that a charge was made on Walmart for {$6100.00} for a TV that I did not order. There was a phone number listed to call to confirm or deny the charge. It was a Walmart phone number XXXX and a person with all my spoke had such a thick accent I could not understand her and she would not put someone else on the phone. She said there were three different numbers that could have been used but couldnt tell what credit card that was used. None of it made sense. I contacted the two most likely credit cards and that amount had not shown up. The Order # isXXXX. Txn id is XXXX. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NY
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.

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 2022-11-28
Company: EQUIFAX, 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 I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to XXXX. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder XXXX XXXX as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: NJ
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CITIBANK, N.A.
State: NC
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:
XXXX  personal loan and Wayfair credit card is at {$0.00} balance.

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 2023-06-08
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

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 2021-01-11
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:
After recently receiving an updated copy of my credit report from Transunion credit reporting agency. Ive notice that an account has been reinserted onto my consumer profile without notification 5 business day prior to reinsertion. This is a violation of federal law Account : XXXX XXXX XXXX XXXX XXXX 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2021-04-07
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:
XXXX bank and trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.

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 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was encouraged to utilize forbearance and not told about income based payments in 2008. 2 years of my previous payments ( paid out from XX/XX/XXXX-XX/XX/XXXX ) were " eaten up '' after this choice for interest that I was not told would be accruing. 

Two years ago after my payments reached over {$300.00} a month, I inquired about reducing my monthly payments. XXXX gave me a reduction by half, however now I am fearful that my interest is building even greater. I was told that this would not occur, that they were reducing my payments as I had a good record of payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Navient was advised not to call me at work because I was not allowed to receive calls. They were told this last year and it was recorded. On XX/XX/XXXX, they called me at work again and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: TN
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 reported to XXXX  and Experian about a inaccurate debt/account on my file. The account in question is in no way related to me. I don't owe anything or have ever used any of the collection agency XXXX XXXX XXXX  XXXX XXXX or original creditors ( XXXX XXXX XXXX services. 

However they didn't do their due diligence in reporting/investigating. 

They have me confused for my father. Whom shares the same exact name as me. The debt/account is owed by him for services that he used and in no way relates to 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 2020-01-30
Company: AES/PHEAA
State: OK
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:
Hello, I thought I was in contact with the FedLoan Student Loan Repayment Program. It turned out to be a third party company that was not providing the services I was paying for. My money was not being paid to my loans they were taking it. I began the program XX/XX/2019. My payment was {$200.00} per month for 6 months. I was notified in XX/XX/2019 that the company I was going through was getting sued by you. I'm looking for information for the next steps to take in trying to get the money I gave to them refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 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 2023-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX 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 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 2023-06-08
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:
This is my third 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 alleged fraud or extortion. 

Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}

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 2022-04-27
Company: EQUIFAX, 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 following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-26
Company: Experian Information Solutions 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:
According to the FRCA the term investigate consumer report Means a consumer Report a portion thereof In which information on Consumers character, General reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account were verified but how is that possible if they did not do the proper investigation according to the law also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracy **I have never signed any written documents saying I owe this debt to the collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resource They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus **Invalidated debt/ debt has been invalidated Contract has been canceled ***Pursuant to 18 USC 8. I owe no debt. This company is violating My consumer right to privacy Pursuant to 15 USC 1681 B 2 Company has also NO permission To report anything using my information to 15 USC 1681 4 **I have never signed any written documents saying I owe this debt to the collector They are violating my rights under the FCRA as a consumer I dont know who they are and have not written consent form on my end Also they have not verify that I owe this debt to this allegedly company Please have this remove from all credit bureaus

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 2023-03-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need my hard inquiries removed from my Transunion account as most of them have been resolved or settled and whats in collections called XXXX XXXX I need removed as that has been resolved. They need to remove these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and Travel ) 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 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: ARVEST BANK GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom this may concern, We have been paying our mortgage payments to ARVEST Mortgage Co. located in XXXX XXXX ArkXXXX 
for the past 15 years or more. In late XXXX we received a notice that Arvest Mortgage was merging with Arvest Bank. Since then we have not received our mortgage statements in the mail, on time, to make the necessary payments on time. We have never been late with a payment! In addition they have attempted to charge late fees for their mistakes which we have called them to handle. Recently after calling them once again they stated they would mail us a statement plus send a statement via e-mail. 
( See attached statement ) In this new statement, once again, they are including a late fee even though we have a 16 day grace period. We then called Customer Service back and asked why the late fee, they kept transferring us from person to person before we could get the late fee removed. The Customer Service Agents we spoke with kept saying they had no idea of what they could do, so they transferred the call to XXXX who was the Lead person on XXXX XXXX, XXXX. She agreed to remove the late fee and e-mail us a statement proving it was removed. Since that discussion with XXXX, we still have not received that e-mail statement for proof. 
Since this is an ongoing problem of not receiving our statements in a timely manner, as has been in the a 15 years, is there anything that can be done to have this situation corrected? 

Thank you for your assistance!

Company response to consumer: Closed with explanation