BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/XXXX, I booked a round trip flight from New York to XXXX, with a layover in XXXX both ways, using my Chase Sapphire Reserve Ultimate Rewards Points. On XXXX XXXX, I departed for XXXX. When I arrived in XXXX on XXXX XXXX, I went to check in for my flight to XXXX. The airport staff informed me that this flight was cancelled months ago. I was left in XXXX with nowhere to stay and no information on a rebooked flight. It was a very upsetting experience, to say the least. 

I called Chase customer service on XXXX XXXX to try to work out this problem. The customer service agent informed me that she was aware of my cancelled flight. However, Chase never informed me the traveler that my flight was cancelled months ago. They withheld critical travel information from me, and would not help me rebook a flight. 

I had to work with XXXX XXXX through their XXXX customer service to get rebooked on a new flight. XXXX XXXX also told me that they informed my travel agent Chase that this flight was cancelled months ago. 

The new flight was in a separate airport, so I was forced to pay {$37.00} to take a bus to the other airport to take my next flight. I also was forced to experience an unexpected 9-hour layover, causing me to miss the first afternoon of my vacation at the destination. Overall, this was an extremely poor experience because of poor communication from Chase. 

On XXXX, I began emailing and calling the Chase hotline. A manager informed me that the bank would reimburse the bus fair by check. They said they would call me back in the next few days to confirm. 

They never called me back. 

I called back again 3 more times that montheach time, they told me the check would be there soon, in no more than 4-6 weeks. 

It is now XXXX. XXXX. I have been speaking with Chase on XXXX to try to resolve this issue and they are telling me I have to wait another 4-6 weeks to get this check.

It has been MONTHS. All I want is a check for this money, or even a {$37.00} refund on my account. I dont feel that I am asking too much, but I am being given a huge runaround from the bank. I actually feel really sad as a Chase customer right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: 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 2023-04-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
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:
I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I applied and was approved for the eidl through sba. As I am a very low earning set operating business I have never established a business account because I could not afford most of the minimum balance requirements or credit requirements. So my only checking account is a personal account. I had my loan funds put into the account at TCF bank ( XX/XX/2020 ) and my account has been placed under review, my loan was withdrawn, and my account is now negative ( XX/XX/2020 ). I was given a mere {$9000.00} from sba and now I am {$4000.00} in debt due to TCF doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
EQ, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: FMS Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX : XXXX XXXX XXXX - XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
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 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 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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 2023-09-11
Company: Nelnet, Inc.
State: CT
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:
On XX/XX/XXXX, I received a letter from Nelnet, regarding repayment of a student Loan, that would resume in XXXX. I called XXXX on XX/XX/XXXX and spoke to XXXX from customer service, who informed me I owed the DOE XXXX XXXX dollar ( {$9000.00} ) for a consolidated loan from XXXX. I am a XXXX XXXX XXXX and I didn't take out a loan in XXXX. 
However, I did file a complaint against XXXX XXXX XXXX in XXXX, PA for Social Security fraud, over an eight year period, in which, they took XXXX XXXX dollars - ( $ XXXX - garnished from my SSI check. Also for blatant acts of XXXX XXXX from XXXX thru XXXX of XXXX and XXXX. It was then, that I realized XXXX XXXXXXXX XXXX, used a XXXX XXXX dollar loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa and turned it into their XXXX XXXX  over an eight year period.- from my SSI check, an overpayment of XXXX XXXX dollars or more. 
They also changed my User ID to a XXXX logo I used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts I do not recognize

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 2023-05-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine

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 2023-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-21
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
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 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 2017-04-10
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: PENNYMAC LOAN SERVICES, LLC.
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 status incorrect

Complaint:
Paid Of my PennyMac loan. Took weeks to show on credit report as paid off. 
Added 3 late payments to credit report which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy showing on my credit and it shouldnt be as the credit bureau has no way of verifying this information with the bankruptcy court. The bankruptcy should not be on my credit as this information is not Verifiable.

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