BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing you to ask to receive assistance with an issue for a mortgage ( ending in XXXX ) I have with Chase bank and specifically concerning my credit history. 

I always paid this mortgage on time since XXXX, by automatic withdrawals. Last XX/XX/XXXX instead I wanted to pay with a check of XXXX $ and XXXX $ with a transfer from my checking account with Chase, to cover the whole monthly payment. I asked the assistance of Chase to make sure that everything was fine and I was reassured by Chase : " I have good news ; We have successfully combined your payments of {$900.00} and {$660.00} to satisfy your XX/XX/XXXX monthly payment. Your next payment will be automatically drafted on XX/XX/XXXX. '' ( attached email ). 

Instead it seems that the XXXX $ transfer had not taken place properly even tough my checking account had all the funds necessary. I was not aware of any issue nor at fault, since I was reassured by Chase own words that the payment was successful. Chase did not reach to me to let me know of the issue. On XX/XX/XXXX I received a notice of pre-foreclosure. I immediately called Chase and made again a payment of XXXX $ to cover the XXXX mortgage payment again. 

I know that late payments can affect the credit history so I asked Chase to make sure that they would reverse any bad note on my credit history, since they have made a mistake and I am not at fault. They are not willing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: MI
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  XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Problem with rewards from credit card

Complaint:
In XX/XX/2022 I purchased round trip airline tickets using my Chase Sapphire preferred card, the trip was to be taken in XXXX. On my return flight ( XX/XX/XXXX ), a mechanical issue with the aircraft resulted in a 4+ hour delay that result in my party having to miss our connecting flight. We had to spent the night in a hotel nearby, pay for dinner, and incurred other expenses related to the overnight delay. My card benefits include travel insurance if a trip is delayed and results in an overnight stay. I submitted a claim upon return to my home city for the plane tickets, and for the dinner expenses. My claim was submitted around XX/XX/XXXX and was in the amount of approximately {$1500.00}. Once I submitted all of the requested documents to XXXX line, the company Chase uses to process their claims I have been repeatedly asked to submit the same documents over and over again over the course of these last 5 months. When I call them over the phone, the line disconnects almost every time. When I am able to get through to them they tell me that they have received all of the necessary documents and that I need to wait 5 business days. At the end of those 5 business days I receive an email asking for more documents. The process just repeats itself. My claim has been in the final stage of review for the last month and they have yet to make a decision on my claim. I have showed up to Chase bank in person to speak to an associate, the associate had no power to advocate for me. The associate was not even aware that Chase uses XXXX line to process claims. It is very obvious that XXXX line delays and stalls so that people will give up, and I am sure that this tactic is very effective- the whole thing seems illegal to me. As a Chase customer I feel deceived into doing business with a shady company that does not act in good faith. I also have come to understand that the benefits of the card are a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, JPMCB CARD  XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.

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 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To : EQUIFAX Information Services LLC Reference to the above-mentioned subject and the below Disputes confirmation numbers, we are officially and legally asking EQUIFAX to release Any and ALL documents, pictures, videos etc that you received as a prove that you accordingly decided to complete and close the following NINE ( 9 ) False Collection amount dispute requests by responding to all of them by the following messages : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : INNOVATIVE RECOVERY INC EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Release all documents that you get it under investigation for EACH of the following Dispute requests confirmation numbers : 1. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
2. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
3. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
4. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
5. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
6. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
7. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
8. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
9. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 

All document should to be send to my OFFICIAL Address listed here below : XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Thanks in advance for your URGENT and Prompt reply! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: SUNCOAST CREDIT UNION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX, Suncoast credit, XXXX XXXX  )

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.

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 2024-01-02
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting 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:
Macy 's credit card is still showing on my credit report. It's now 7 yrs old and should have been removed now. I've tried disputing it on the credit bureau 's but they refuse to remove it.

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 2023-11-18
Company: Army and Air Force Exchange Service
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The Military Star Card is the most confusing and disorganized card I have ever used in 45 years of using credit cards. 
1. When promised a " first time use '' 10 % discount I had to call multiple times to get the correct credit. They said we don't give the credit until the product is delivered ( washer/dryer ) but yet gave me a credit for a gas purchase and claimed I'd already been given a credit. I spent 2 hours on the phone explaining this, 2. I put in a written complaint to dispute a charge for product I have yet to receive but was told they have 90 days to respond. In the meantime, Ive had to pay for the product.

3. I signed up for autopay and they charged me a {$15.00} fee because they said my bank refused the request, but yet I somehow had a credit for the bill I supposedly didn't pay.

4. After paying my bill and seeing a credit ( from the bill they said I didn't pay ) I asked for a refund of the credit ( {$67.00} ) but was told, " we don't see the credit on our end. but it appears on the customer 's website.

5. When I finally closed the card, I was asked if I wanted to take a survey, I did, but then the agent I was speaking to said the " survey system is down ''. Seems like a convenient coincidence.

6. There are a few other issues but I think you get the point. This card is directly marketed to military service men and women. If a 45 year veteran of credit cards is having problems, I am sure a young person who has less experience is having problems. I have had more problems and been on the phone more times with this card in 30 days then all other cards Ive had in a life time combined.

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 2023-06-21
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 has violated my rights. Or list of inquiries 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 XXXX 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 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 2023-09-29
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
1 ) In XXXX  I called Freedom Mortgage and asked them to remove my PMI because the equity in my home had grown so much. They specifically told me I did not have PMI insurance payments which was not true. My house is now worth over {$500000.00} and they are still charging me PMI after repeatedly asking for this to be removed. 
2 ) I questioned why my payments went up more than $ XXXX  monthly and they could not give me anything specific except " YOUR INSURANCE PREMIUM MUST HAVE WENT UP ''. i HAD NEVER HAD A CLAIM ON MY HOUSE. They forced me to allow them to manage my own money to pay my insurance from an escrow account. They said it was mandatory. They were in charge of making my payments to my Insurance companies, ( FLOOD, Homeonwers, & Taxes ) .It was all out of my hands and I would get letters from the tax office and insurance companies that my insurance was late, due etc... 
Earlier this year I got a letter that my flood insurance was canceled for nonpayment and that led me on an investigation that found Freedom Mortgage placed " FORCED FLOOD INSURANCE '' on me. I had also found and had proof that I had my own Flood and Homeowners insurance the whole time as well. I have provided them with proof of the cancelled checks for all the payments from the insurance agencies however they have refused to give me proper documentation or refund me for over {$6000.00} for the forced insurance that their company personally and finacially benefited from. STILL NOT ALLOWING ME TO PAY MY OWN BILLS SO I KNOW WHAT AND WHEN MY BILLS ARE PAID. I found all this out when I was going to sell my house and the new buyers wanted to know if my flood insurance would transfer-I ALSO LOST THE SELL OF THE HOME AT THE ASKING PRICE OVER THIS WHOLE ISSUE. I WANT COMPENSATED CORRECTLY FOR ALL OF MY LOSSES! THIS IS CRIMINAL WHAT THESE PEOPLE DID. I have been on hold for hours and reached out to them dozens of times and nothing, They have all the power and neglected my finances which I have very high regard for.

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 2023-09-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
To discharge my loans because I filed for bankruptcy in 2010 and they lied to the court that I had to prove hardship but I didnt and my loans should have been discharged in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: OH
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:
XXXX, Equifax and XXXX are all reporting bankruptcy information that was obtained fraudulently and is also inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, it was obtained illegally and I demand to have it removed from my credit report, and # XXXX was filed XX/XX/XXXX, the date paid was XX/XX/XXXX, this information was also obtained illegally and I demand to have it removed from my credit report.

Company response to consumer: Closed with explanation