BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX we were notified by a vendor that they never received payment for services. In looking at the canceled check ( dated XX/XX/2023, deposited XXXX ), she indicated that this was not her signature. I contacted Chase Bank and asked what to do for a claim. The claims department said that they would send a claim form ( which they didn't ). So I went to the branch on XX/XX/XXXX and got the forms then. Our Vendor is in a different state- so I scanned and emailed the forms that she needed to sign. She did receive and sign them- but didn't have a scanner, so she took photos of the forms. 

When I submitted these forms to claims at Chase - I had the branch fax them. Because this was both a forged endorsement and an improper endorsement - I checked both boxes then we received a letter dated XX/XX/XXXX from Chase saying they needed more information and the claim was closed. I called and was told that we couldn't check both boxes - because it is difficult for the vendor to sign and return Chase Claims told me that I could write her name and put " unable to sign '' on the signature line. Another letter dated XX/XX/XXXX same letter - called claims - unable to sign was not acceptable. So on XX/XX/XXXX, I received another signed and photographed copy of the form which I took to the Chase branch and had them email to claims ( claims said they get it faster that way rather than faxing ). 

Gave them a week or so to process and then called to see how the claim was doing- Chase said they didn't receive the email from the branch ( even though they knew who sent it ). Again I faxed the claim. Called on XX/XX/XXXX and was told that they had everything and it would take 60 - 90 days to resolve - even though this dates back to XXXX. 

Received a letter dated XX/XX/XXXX saying they needed more information and the claim was closed. Called on XX/XX/XXXX ( when we received the letter ) and was first told the 60-90 days. When I mentioned the letter- they checked, and now they can't read the faxes. The same faxes that they have received since XXXX. 

This is ridiculous- we needed to pay our vendor ( who is also a Chase customer ) but this run around from complaints is intolerable. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Financial closed 3 checking accounts and 1 saving account and will not provide a reason They had no reason These accounts were in good standing with no problems

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company has been trying to collect a debt that I do not owe or have knowledge of. Several of my consumer rights has been violated including calls at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.

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 2023-03-07
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchase with XXXX and I never received the login information for the real estate sales course. The purchase was made on XX/XX/2022 in the amount of {$140.00}. XXXX never gave me the real state sales course on how to close real estate property by talking to real estate property owners. They never replied to my emails when I requested the information that I paid for. They just took my hard earned money and never gave me login information to access the real estate sales course that I paid for online at the website XXXX. Please refund the {$140.00} I paid for on XX/XX/2022 because I never received the real estate sales course. Attached to this e message is all the information I received when I made the purchase. Please have integrity and make this right by refunding me the money {$140.00} on XX/XX/2022. Thank you! 

In the above paragraph is what I wrote to the bank Navy Federal Credit Union. NFCU let XXXX keep the {$140.00} even though I provided documentation in the dispute showing proof and XXXX  never answered to NFCU during the dispute investigation. The bank just never refunded my money and they just let the merchant keep my money that I paid even though I never received services for what I paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are  XXXX  liens on my  XXXX  credit report that do not belong to me. I have asked for verification from   XXXX   and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.   XXXX   is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

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 2023-11-17
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Earlier this week Chime sent the " pay anyone '' money I was sending to my friend to an entirely different person. I spent 2 hours on the phone with them explaining this to them, they allowed me to finally dispute the transaction and assured me it would be taken care of. However they immediately denied them dispute which was money donated to me for medical expenses and they refuse to reimburse me for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: Bread Financial Holdings, Inc.
State: MD
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 Ulta, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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. 

Late Payments- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. I stated .working onXX/XX/XXXX-XX/XX/XXXXfor XXXX XXXX XXXX XXXX XXXX in XXXX , XXXX in the XXXX XXXX Division as a XXXX XXXX, I moved back to XXXX and gain employment with XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX.  I am currently employed as a XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to date. If I had been advise currently I would have had at least 90 payments credited toward my loans. I work as a XXXX XXXX XXXXXXXX serving XXXX XXXX XXXX and XXXX XXXX. My salary has never been more than 34,000 per year with a family size of XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: JPMORGAN CHASE & CO.
State: MD
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:
Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion had two separate computer glitches that caused inquiries to be removed from report in  XXXX  and in  XXXX .
They put the inquiries back on my report after were deleted and did n't notify me either five days of this procedure. I would like these inquiries from  XXXX  on  XX/XX/XXXX   XXXX  from  XX/XX/XXXX  And  XXXX  from XX/XX/XXXX  removed ASAP.

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 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .

Company response to consumer: Closed with explanation