BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Chase bank deducted {$1800.00} from our checking account. 
Our monthly statement described this as a XXXX dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned of this that night, when Chase sent an email telling us of a letter to our accounts Letters & Notifications folder, informing us of the deducted sum ( see Attachment, " Chase letter XXXX '' ). A phone call with Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via XXXX was an unauthorized transaction. Chase made one attempt to contact me on my cell phone on XX/XX/XXXX at XXXX XXXX Chases records show they decided ten minutes later to pay the tenant from our account, and close the matter. This was wrongful, mistaken, and negligent of Chase for the following reasons. XXXX ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was our last payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) There was no dispute to which we were a party, until the {$1800.00} was deducted. A single attempt to contact us is insufficient, and the subsequent decision to close the matter XXXX minutes later is unfair and unjustified. 
( Even credit card charge disputes require more attempts. ) 3 ) Chase refuses to consider a pertinent condition preventing me from taking their phone call. I am an elementary school teacher, subject to strict laws governing cell phone use during working hours : I am not permitted to answer cell phone calls except for emergencies ( see Attachment, XXXX Cellphone Use Policy ). XXXX XXXX Customer Service promised on XX/XX/XXXX to follow up within XXXX business days. They have not. I have since telephoned them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XXXX ), but have not received any explanation or clarification, and moreover, have been told the back room analysts never take phone calls, nor talk to customers with complaints. Chases behavior is to deduct money from customers without sufficient notification attempts, and to refuse customer appeals or complaints. Chase should reimburse the {$1800.00} their mismanagement took from us. They hastily and wrongly deducted it from our account without warning, and decided that a single ( failed ) phone call was sufficient effort to contact. They robbed us of both our rightfully earned money AND any right to respond to charges. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Nelnet, 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:
I have loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/NELNET but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDNELNET XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the XXXX credit reporting agencies ( XXXX, TransUnion, and XXXX ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from XXXX and XXXX at all! The only response I received from TransUnion was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by TransUnion, XXXX, and 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 2023-02-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-12-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXXXXXX XXXX XXXX Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history 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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am filing a formal complaint against XXXX for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that XXXX shared my personal information with a third party, namely TransUnion, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with TransUnion. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized XXXX to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge XXXX to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed an item several times with Experian, they reportedly verify the item. My last letter I requested the method of verification that they used to verify the item I have received an electronic response today XX/XX/14 stating that the Item is Verified there was no direct answer to my inquiry as to how this item was verified.

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 2023-06-18
Company: EQUIFAX, INC.
State: DE
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:
The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Navient Solutions, LLC.
State: CA
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:
NAVIENT IS ATTEMPTING TO SCAM BORROWERS OUT OF STUDENT DEBT RELIEF BY ENCOURAGING THEM TO REFINANCE THEIR LOANS UNDER NAVIENT 'S PRIVATE LENDER, NAVIrefi My former loan servicer, Navient f/k/a Sallie Mae, not only committed extensive mistakes and violations against me for 31 years while they serviced my loans, but they are trying to scam me out of student debt relief by encouraging me ( and many others ) to refinance my loans with their private lender, NaviRefi, even after we consolidated our loans with the Department of Education who hold our loans. 

This needs to STOP NOW! Navient needs to be investigated, and an injunction filed, at the very least, to stop these nefarious and wicked tactics, if not a lawsuit. 

I have already been the beneficiary ( restitution recipient ) of one lawsuit filed against Navient for deceptive loan servicing practices. In fact, I worked on the case and I know what they have done to me and millions of others. 

Navient is no longer my servicer and neither is their cohort XXXX XXXX XXXX XXXX 

Navient has my entire loan history since XXXX  and so do I. They better cooperate with every state and federal agency regarding my loans and not provide false documents or information either. That includes my repayment history and all the forbearances they steered me into for years! 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2023-06-22
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never had an account with PNC bank. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When trying to make a payment at XXXX XXXX XXXX this morning my {$27000.00} limit XXXX XXXX XXXX  card was repeatedly declined. I had no current balance, pay my card monthly and had just processed a payment to the exact same vendor the week prior. 

The charge of {$4400.00} was flagged for fraudulent and I spent nearly 30 minutes at the animal hospital attempting to remove a block on my card via the app and calls to two different agents. Ultimately I had to use another card, just so I could leave and get on with my day. I still needed to call yet a third time a few hours later to get the block removed because the earlier attempt didn't work despite the agent saying I was all set ( after I'd left the XXXX XXXX ). 

My dog is sick and large payments to vets on this card are not unique. I'm not sure why this charge got flagged but due to Bank of America 's convoluted process for addressing the issue I was unable to apply a payment to the card for XXXX airline miles. In fact, there is nothing they can do for me now because I had to put the charge on another card. 

I'm very unhappy with the lack of resolution in this case. 

I've attached a zip file with screenshots of the texts as I was trying to remove the block as well as the form email sent after the fact. Not helpful.

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 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently opened Bank of America Unlimited Cash Rewards Visa signature card and, within few weeks of use, started seeing unexpected " foreign transaction '' fees popping up, few dollars here and there. 

At first I thought that my account was compromised : I never made a purchase in a foreign currency, with foreign merchant, or traveled outside US since opening this card. 

But then I realized the fees must have been " related '' to an art fair happening in XXXX ( ticket price : {$98.00} ) and a concert happening in New York ( ticket price : {$55.00} ). I made a purchase from a US merchant based in California ( XXXX ), and in US dollars. What makes these purchases " foreign '' is completely beyond me. 

This is a direct violation of cardholder agreement with Bank of America that states only purchases made in foreign currency or with a foreign merchant while traveling abroad are subject to this fee. 

This is also a serious breach of trust. It is impossible to know in advance which purchase will be classified as " foreign '' by bank of America. You will only find out after making a purchase. The practice is not disclosed during advertisement of application process. 

Buying a new watch on XXXX XXXX in New York? Better not be Swiss a watch, don't shop at XXXX or pay a foreign transaction fee. 
Hungry and want a sandwich from XXXX XXXX  XXXX? It is a British fast food chain, you will pay foreign transaction fee. 
Shopping at immigrant-owned business or dining at a Mexican restaurant? There is clearly a foreign connection here. 

My salary is deposited to a Bank of America checking account, and I am now worried that Bank of America is going to invent a " salary deposit fee, '' better check my statement carefully. Or even better, find a new bank.

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 monetary relief