BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: JPMORGAN CHASE & CO.
State: AL
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:
I have had multiple car loans with Chase Bank with no problems. However, on my loan number XXXX, Chase Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted Chase Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid XXXX extension. 

While checking my XXXX credit report on XX/XX/2022. I am informed that Chase Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted Chase Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with Chase and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before Chase considered it delinquent. I relied on making my payments via phone since I have not been able to og into my Chase loan account for over a year. 

Chase agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-07
Company: EQUIFAX, 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:
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 2023-11-03
Company: SYNCHRONY FINANCIAL
State: NY
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : SYNCB/CARE CREDIT XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-04-29
Company: Chime Financial Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Chime XXXX XXXX XXXX Account was removed from reporting on my XXXX back in XXXX of 2021 for not reason. Although it was removed from XXXX and they refuse to provide a reason as to why, the only way the XXXX will restore reporting of the Chime Credit Builder Account is to have Chime send them a reinsertion letter and updating the account information. I have tried for several months to get Chime to do this yet the keep giving me the run around and repeatedly tell me that since XXXX removed the account, it's XXXX 's problem. This of course is not true since XXXX is telling me that the only way they'll start reporting the Chime Bank XXXX XXXX account again is if CHIME submits a reinsertion letter. For nearly a year Chime and XXXX has blamed the other for the account not reporting on my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a security freeze put onto my account with Experian, however Experian it is impossible for me or anyone to remove a credit reporting freeze with Experian as the phone information provided is impossible to use and upon giving about 15 instructions in a period of two minutes, then the built-in AI hangs up immediately. 

This appears to have been done so to cut costs at this credit bureau at the expense of 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
Consumer complaint received 2018-09-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citibank charged a service fee and over-drafted my account twice. 

I've tried calling, chat ( waited 20 min ), and XXXX XXXX. They constantly closed our conversations and put me a new person to chat having to begin from scratch. 

I thought that I was going to get that service fee waived because I had the requirements within the dates of the same billing cycle. 

I talked to XXXX Saturday 15 when this was issued over chat and supposedly filed my complaint with the Executive Response Unit and was promised a call by them on Monday XXXX. Immediately after I took my account out of the overdraft threshold. 

On Monday XXXX, I went to a branch location and fixed the {$12.00} service fee. 

Now, today Tuesday XXXX, after 4 days the account was charged a {$34.00} overdraft fee and most likely they will attempt to do another overdraft fee tomorrow because of this last fee. Totaling {$80.00}.

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 2023-01-22
Company: WELLS FARGO & COMPANY
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:
They would deduct the highest charges in my account causing insufficient fees for all the smaller charges. Obviously created by design. If this was done reverse, there would be fewer fees. There times I was hit with 3 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo account was closed due to identity theft and instead of the fraud department assisting me I was charged over and over for things I never did many times

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 2021-07-01
Company: NAVY FEDERAL CREDIT UNION
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: GA
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 am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate addresses and fraudulent inquiries from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter.

I discovered that my credit report issued by 3 Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved.

I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report.

Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent.

Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report.

Ensure that no further negative impacts occur on my credit report due to these inaccuracies.

I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities.

I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
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 noticed a charge on my credit card statement that I did not make or authorize anyone to make this unknown charge of {$550.00}? Upon noticing this charge I called the credit card Company Chase before my statement even came in. 

They closed my credit card and issued me a new card. Then I received a letter from Chase card services saying that they confirmed my transaction is valid. 

How could this transaction be valid again since I didn't make or authorize anyone to make this charge. The weird thing is my card was still in my possession at the time. .This was reported right away, before my statement was sent out. I frequently check my statement online for reviewing. 

It was to some concert event that hasn't even been held. Because I tried to resolve this with them directly and was told to contact my credit card. I been making several calls for help and was told about the Fair credit act?? Max responsibility for me would be {$50.00} How do I get Chase to protect me as a credit card holder, when someone got hold of all my information. Please help to assist me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had a cable account with XXXX XXXX XXXX XXXX  every month Bill would increase every month I called to have it resolved they would correct it.The following month same thing would happen and say they had no record of my calls this continued for 3months I finally told them I was cancelling paid my bill in full, and returned their equipment thru XXXX in that same week of canceling in their alotted time frame .Their claim is I owed for late equipment at the amount of XXXX .I went a year back in forth faxing my receipt from XXXX where I sent it back on time phone calls with every call no record of me speaking to individuals even when I would repeat their name and badge number. I recently found XXXX XXXX XXXX had sold my so called debt to ic systems which put a debt of XXXX on my XXXX XXXX report on XX/XX/XXXX. I placed a dispute with XXXX XXXX case number XXXX with no avail with that being said I don't feel as if XXXX XXXX investigated thoroughly partially being my fault I don't feel as if I gave them enough info but I did in fact try to contact them with more info and never received a reply thank you for your time and I hope if nothing else people will stand up against companies like XXXX XXXX XXXX I know I'm not the only one they have done this too.i have since then bought a house and all my debt is in good standing and on 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 2023-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between XXXX thru XXXX well Fargo held a check over the extended period released funds without out my knowledge then funds disappeared for XXXX XXXX then account was deemed fraudulent attempted to resolve multiple occasions

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 2023-01-20
Company: PNC Bank N.A.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was involved in a car accident and my car was totaled. My insurance company tried to pay off the loan with PNC Bank 3 different times and each time PNC Bank sent their check back. This happend over a period of 3 months. PNC did not try to resolve the matter with my insurance company and instead sent my account to collections. I have read that this same complaint has happened to XXXX XXXX of other PNC customers. I am submiting this because my credit rating, that has been in the mid XXXXXXXX XXXX for XXXX years was damaging by PNC by their negligence and dropped by up to XXXX points. I called PNC Bank and they are admitting no fault on their side and not willing to fix my credit report. 

Please call if you have any questions. I have submitted the email thread as an attachment. I'm reachable at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Maximus Education, LLC dba Aidvantage
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: Investigation took more than 30 days

Complaint:
I have reached out and filed a dispute in reference to the incorrect items on my credit report. It has surpassed the 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was never mines to begin with. I have disputed this debt with the debt collector stating my identity had been stolen and a credit card was applied for in my name. This debt is drastically harming my credit score and I would like for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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:
Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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