BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 at XXXX, Chase emailed me saying that my credit card was added to an XXXX XXXX XXXX. I do not use XXXX XXXX and did not lose my credit card. They sent another email saying my card was used in " XXXX XXXX '' for {$970.00} at XXXX. I have my own house that is fully paid off. I would not be in a luxury apartment building. I got another email saying Chase canceled an unauthorized XXXX payment to someone I do not know at XXXX. Another XXXX payment was canceled to a different person at XXXX. All throughout this time, Chase locked me out of my online banking. The next morning, XX/XX/23, I go to recharge my prepaid SIM card for my phone and I am told that my number has been stolen. On XX/XX/23 at XXXX, another XXXX payment was canceled to the same person from the previous night. I go to my local Chase branch and I find out about the following unauthorized transactions : 1. Savings account transfer to my checking account = {$3000.00} 2. Daughter 's college checking account to my checking account = {$1800.00} 3. Unauthorized XXXX payments = {$1500.00} 4. " Memo POS DEBIT IN *P '' = {$8400.00} I filed a claim with Chase XXXX XX/XX/23 from around XXXX. I have also closed my checking account, savings account, and daughter 's college checking account since then. The bank teller told me they would send a check in 2 weeks or give me a letter following up with my claim. On XX/XX/23 at around XXXX, I went to the XXXX and filed a police report. I got assigned to the local detective. On XX/XX/23, I submitted the police report to Chase. On XX/XX/23, Chase sends me an email crediting {$1500.00} to me because they agreed the transaction was unauthorized. I did not even receive a check for this, how are they crediting this to my account? I have emails from the post office that tracks all my incoming mail to further back this. Even so, I am still missing my {$8400.00}. I went to the bank today XX/XX/23 to follow up because I have not heard anything from them. They said I never filed a police report or it's not in their records. They also said that they rejected my claims and are closing my report because the transactions seemed normal?! They drained my entire bank account for the first time in the XXXX decades I've had Chase and said that this type of activity was normal. They would not let me know where the transactions were made, who they were paid to, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau.

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX SCAM call impersonating collection agency called " Credit Control '' XXXX XXXX XXXX XXXX Trying to get financial information illegally.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my XXXX report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 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.

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 items of information, other then 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 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
To Whom It May Concern : I am writing to express my dissatisfaction with Navient, my student loan servicer. In 2005, I consolidated my student loans with a different company, agreeing to a 2.25 % interest rate for 25 years. However, a few years later, my loans were sold to Navient. Navient informed me that my interest rate had increased to 2.85 % and that my repayment period had been extended to XXXX. As a result, my monthly payments increased from {$220.00} to {$280.00}. 

I have been paying my student loans faithfully for many years, but my balance has not decreased significantly. In fact, it has actually increased from {$43000.00} to {$52000.00}. I believe that this is due to the high interest rates and the extended repayment period. 

I am also concerned about the way that Navient has handled my account during the COVID-19 pandemic. I was unable to work for almost a year due to an injury, and I requested a pause on my student loans. However, Navient told me that I was not eligible for pause, and they instead placed my account on a forbearance. during this time i was out of work for almost a year. then i found out they took money out of my bank account without informing me. As a result, I was still required to make monthly payments, even though I was not able to work. 



I am writing to you asking if Navient practice and legal and legit. Ii had other loan and mortgage in the past that change lender, but can they change the terms and payments plan legally without my permission. I also want to know what legal right do I have in regard to my circumstance. 



I would appreciate it if you would contact me as soon as possible to discuss this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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 status incorrect

Complaint:
I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX  that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My interactions with the debt collector have been marked by persistent efforts on my part to obtain vital information, which unfortunately have not yielded the desired results. I have repeatedly requested specific items such as the audit trail detailing the balance in question, the contractual agreement that substantiates their authority to pursue this debt, and the master bill of sale that underpins their claim. Regrettably, the debt collector has consistently fallen short of providing these essential documents despite my sincere inquiries. Moreover my attempts to halt communication through a formal cease and desist notice have been met with continued disregard, as their attempts to contact me persist. In addition to this. I have initiated multiple reinvestigations, urging the debt collector to share the identities of the individuals who purportedly verified the contested information. To my dismay, there has been no response from either the debt collector or the credit agency involved. Their lack of cooperation and failure to furnish the requested information not only raise concerns about the accuracy of their claims but also the adherence to legal obligations. The absence of a timely and comprehensive response has further exacerbated my concerns and underscores the need for a resolution that adheres to the pertinent regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NC
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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$16000.00}

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 non-monetary relief
Consumer complaint received 2021-05-06
Company: TD BANK US HOLDING COMPANY
State: PA
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:
My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and TD banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In early XXXX, I applied for the " Amazon Rewards Visa Signature Card '' through Chase/Amazon . I applied as a non-prime member, so the sign-on bonus was a {$60.00} amazon gift card. Soon after this application was submitted on my end, I became a prime member and was thus eligible for the {$150.00} welcome bonus on the " Amazon PRIME Rewards Visa Signature Card ''. On XX/XX/222, I contacted Chase to give them more details on my original Amazon Rewards Visa application. During this application process, I did tell them that I was now a prime member. On XX/XX/XXXX, I received an email that the application was submitted for the Amazon Rewards Visa and that I was given my {$60.00} gift card. Upon looking at my Amazon and Chase accounts, the Amazon Rewards Visa was not present, but the Amazon PRIME Rewards Visa was. Since I did not apply for the Prime Rewards Visa, I contacted Chase to explain that I did not apply for the Prime Rewards Visa, and that if they submitted my application for that card instead of the Amazon Rewards Visa, then I should be given the {$150.00} welcome bonus instead of the {$60.00}. The rep and a supervisor insisted that I did apply for the Amazon Rewards Visa, and not the Prime Rewards, but still am uneligible for the {$150.00} bonus. After this, no further action was done on my end. On XX/XX/XXXX, I received an email congratulating me on my Prime Rewards Card. On XX/XX/XXXX I checked my mail to see I had received BOTH cards. 

I see two scenarios that should have occurred. A ) I applied for the Amazon Rewards Card and should have received it and the {$60.00} or B ) My application would have been automatically " upgraded '' to prime since I became a prime member, and I should have received a Prime Rewards Card. Instead, somehow I got both cards without my permission and received the lower of the two welcome offers.

In the end, if I am an Amazon Prime member, I should receive the full benefits of the Prime Rewards Card including the welcome offer. I NEVER submitted two applications, and I never consented to an upgrade.

Company response to consumer: Closed with explanation