BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an acct with Chase online- they then locked my acct, later closing it, stating that it was marked for fraud and I needed to bring XXXX forms of ID into branch to prove my identity. I brought the XXXX forms of ID into a branch. I was told that my check should be sent in the mail. I call the customer service line the same day later in the day to ask when it would be sent. 

They then tell me I need to bring XXXX forms of ID into a branch- to which I reply that I was at a branch earlier in the day and presented my forms of ID. They tell me they have no record of me having been in the branch that day. 

Last Monday ( XXXX ) I went into a branch and spoke with a banker who spoke with a customer service rep who advised I needed to present XXXX forms of ID to release the funds. I presented the forms of ID. They told me that was sufficient and that my check would come in the mail within XXXX business days. I asked if they could release my money in the bank that day as I was struggling for funds. They told me no, so I waited. 

This Monday ( XX/XX/XXXX ) rolls around and I notice my check still hasnt come. I call customer service to see whats going on and they advise me that my request was denied because I didnt provide proof of address ( they didnt ask me for it. ) I ask if I can email it as it is difficult for me to go into a branch as I do not drive and I also usually work during the hours the branches are open. They say I can not. 

The same day later in the day I go into a branch. The banker calls customer service and they advise I need to provide proof of address. I provide my power and water bill. They upload it and say I need to reach out to customer service to confirm receipt/decision within XXXX. Nothing is mentioned to me about any issues with the bill I provided. 

The next day ( today, XX/XX/XXXX ) I call customer service and they tell me that my request was denied because the bill was past due- this was not ever something that was mentioned was an issue when I was in the branch or the many times Ive spoken to customer service. I need my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
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 2023-02-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
I called XXXX to settle my balance on an old closed, charged-off card. I spoke with one of their customer representatives that agreed to SETTLE in Full the account for {$460.00} I created a payment plan for this balance to be paid off in 6 months. After the first payment was deducted automatically, I called in and paid the balance in full for {$380.00}. Instead of reporting my account correctly to the credit bureaus at {$0.00} settled in full as I was told... XXXX has reported a balance of {$460.00} which was the amount " forgiven '' by them during the settlement arrangements made on XX/XX/2022. 

I have called and spoken to customer service reps who will not report to the credit bureaus the correct amount of {$0.00} balance and one rep told me it is XXXX XXXX policy to leave the balance after the settlement as still reported. That is a violation of what a SETTLEMENT means! I have paid my account in full, settled for less than the full amount and XXXX is refusing to reflect this amount of a {$0.00} balance on my credit report.

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 2022-04-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used XXXX Chase ultimate rewards points to order a gift card on XX/XX/2022. I never received my gift card. I reached out to customer service 2 times over the phone. Both times they said the gift card would be sent in XXXX business days. It never arrived. I then contacted customer service through XXXX chat. I was offered a refund of the gift card or to attempt another delivery. I attempted another deliver. I received a letter in the mail saying my gift card would arrive via email in XXXX business days. I still never received it. I asked for a refund and was told The marketing team is unable to cancel or refund the gift card even though I was offered a refund a week prior. In addition, they insinuated this was an issue with the vendor of the gift card, which was information I was never told in my XXXX previous contacts with them. I am filing this complaint because I paid XXXX points for something I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TrueAccord Corp.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I contacted XXXX XXXX to help me to determine which of my debts are legitimate. I heard from a company called XXXX, which told me that I had to begin paying on the blll right away. They did not give me any indication about their being legitimate, and the settlement that they offered wasn't any different from what the credit card offered. I have many debts, including a humongous student loan which I've not heard from lately, but which is still on my credit report. I also have a car credit company that is still demanding that I pay on a bill that was long destroyed in a car accident. 

I mention these things because they still are on my report, and I can't pay them because I have not been hired as a XXXX after XXXX years as a XXXX  with a XXXX  '' XXXX degree in Education. 

I am asking for help from you to establish the legitimacy of TrueAccord. Here is their information, from their website : Email : XXXX or call us toll free at XXXX Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Investigation took more than 30 days

Complaint:
Experian, XXXX And XXXX are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to Experian, XXXX and XXXX. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!

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 2020-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my 2nd attempt to get Experian to understand something is terribly wrong with their system. On XX/XX/2020, I paid off my car of XXXX dollars. On XX/XX/2020, I paid off my mortgage of XXXX XXXX dollars and my credit score dropped over 20 points, I went from good to fair. They continue to state keep accounts open. Well, a credit card I can understand that but not a car loan and a mortgage. I want to start the process if attempting to get another home but needless to say this is hindering me badly.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: AZ
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  XXXX - XXXX, Account : XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Account : XXXX Billing Service, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate

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 2022-04-12
Company: Express Collections, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail about an old debt and reached out to the company Express Collections to try and make payment arrangements and was told if I didnt pay a certain amount I would be sued and that whatever payments I made wouldnt matter if they werent the amount they wanted. Ive been receiving multiple harassing phone calls on my personal phone as well as at work. I dont have a lot of money and tried to explain this to them and offered as much as I could but it wasnt enough for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: AMERICAN EXPRESS COMPANY
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:
Consumer victim of XXXX  data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates AMEX and XXXX accounts are fraudulent having met criterion for Mediation program. 

XXXX Marketing of its False Credit Scores to Consumers As direct result, cause of XXXX  XXXX XXXX ; XXXX   XXXX ; XXXX XXXXXXXX XXXX , XXXX ( XXXX ) and dba XXXX XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: AES/PHEAA
State: WA
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:
A couple years back I attempted to deal with the Fed Loans for the PSLF- I was never able to " gain back '' the XXXX payments that I thought had qualified, but apparently had not. It was especially frustrating as I made financial decisions based on the information the loan companies gave me at that time. 

In XX/XX/XXXX, I had thought I had made XXXX payments, and had documentation. See attachments. My current situation- online, it looks as though I have XXXX payments completed towards PLFP ( XX/XX/XXXX ). I have documentation stating I had made XXXX payments in XX/XX/XXXX from Fedloan ( see attached ). 

I did make a phone call- and was told I made XXXX qualifying total payments and they had last years form, but not one from XX/XX/XXXX, and they had no ducumention of the XXXX payments. 

I am preparing to send a form in now. I am not contacting Fed load through their email on their site, other than to request a case number and contact through my work email, as it does not keep a record I can access- which they keep suggesting. This is important, as when I first transferred my load to them, they agreed to the higher number of payments from XXXX, was enrolled in the correct program, AND that I was on track to complete by XX/XX/XXXX. 

Overall, I have record of XXXX payments by XXXX, made in good faith in the PLSF program. Fedloan says I currently have XXXX. The current system is biased to keep loan holders in the cycle of payments, places loan holders automatically into payment plans that do not qualify and does not highlight this- example, standard payments do not qualify but directions for PLSF indicate standard is one of the options ( you need to call and ask for 10 year standard, not an option on the website and not indicating that is does not count ). 

My former complaint was dismissed, and fed loan suggested I contact XXXX. I contacted XXXX, and their statement was that when Fedload accepted the loan, they accepted the payments made through PLSF, and have no further records of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$5100.00}

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 2023-02-13
Company: BANK OF THE WEST
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was denied my student loan because of a debt from the Bank of the West account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " XXXX XXXX XXXX '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. 

The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The Bank of the West said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: MA
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:
I can't find the contact for XXXX/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have paid TransUnion a couple times to monitor my credit and send me a report but after trying to get my report sent to me and not being able to confirm one of the questions about a credit card the agency refused to speak to me further. 
I also called to get an answer about why there was credit cards offers being sent to me. When I had a lock on my credit so I thought since XXXX and the agency didn't have any information on it but had a report made in XXXX when I made one myself in XXXX of XXXX and again after my mom died in XX/XX/XXXX because I knew family or so called associates would take everything I owned and so far I've not been proven wrong. My mother had a life insurance policy that was meant for me. And because she passed without a will I got financially abused. People used me for their own gain I suppose.

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