BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom It May Concern : During early and mid XXXX of 2022, I used various XXXX payment applications ( XXXX XXXX, XXXX, XXXX ) to pay various parties ( XXXX XXXX for merchandise I was trying to buy. Despite using the XXXX payment applications, payment was always made through my Chase Visa Debit Card. Subsequent to payments, XXXX would claim that their XXXX application account was locked out due to suspicious activity, therefore unable to access funds sent to them. As a result, XXXX did not ship out merchandise and recommended I file a claim with my bank to get my money back. 

I called Chase Bank customer claims to open disputes explaining to various agents my situation. They opened claims for me, but eventually ruled the claims not in my favor stating that the payment was made through XXXX payment applications. I tried appealing and reopening my cases by faxing proof to the claims department that I paid for merchandise that I never received. Proof included chat logs with XXXX discussed merchandise to be purchased, pictures of payment receipt, XXXX claiming XXXX application being locked out, then confirming they will not ship out merchandise and advised I try to recover my money through the bank. 

Despite providing this proof, Chase has ruled not in my favor again for my reopened claims and stated that there is nothing more they can do to help me. Below is a list of my claims that were not ruled in my favor. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. 

-Claim XXXX : Filed XX/XX/2022. Description : XXXX XXXX XXXX XXXX XXXX Amount : {$500.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3000.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3100.00}. Chase Claim Reference number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TN
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:
Equifax is in violation under the FCRA laws 15 USC 1681 602A that states I have the right to privacy and 15 USC 1681 604A Sec 2 that states that a consumer reporting agency can not furnish any account without my written instructions which I have not given. There are also hard inquiries that were not authorized by me and my investigation and deletion requests have been ignored multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Firstly, MRS never notified me of this alleged debt before filing it with the credit bureaus, which decimated my credit rating. I was damaged by their dereliction of duty and responsibility as a debt collector, which is why I am reporting that action to the CFPB in a formal complaint. I learned that this entry was placed on my credit report via a credit monitoring service. The notification came after business hours on Wednesday, XXXX On this morning, XX/XX/XXXX, I telephoned MRS per the number listed on my credit report to inform them this alleged debt was not valid. My efforts were to no avail. The rep, who answered, could not help me and transferred me to the XXXX  section of the MRS agency. After a lengthy hold, no one answered the phone. I hung up out of disgust. Secondly, had they performed the lawful activity of notifying me so that I could dispute the debt, they would have discovered that this is a duplicate debt that was filed on my credit report by XXXX XXXX on behalf of XXXX  under the name of XXXX XXXX. .They would have learned that I disputed that derogatory entry on my credit report as I do not owe this debt. All three credit bureaus removed it from my profile, This occurred in XXXX of XXXX. Subsequently, MRS filed the debt under XXXX, an affiliate with XXXX XXXX.I was robbed of due process because they did not verify the legitimacy of the debt with me. I want this negative information removed from my credit profile with all 3 agencies. A consumer should not have to be subjected to stress that arises from a collection agency trying to be slick with reporting erroneous debt by by-passing the law on notification, preventing he consumer from filing a dispute appropriately. MRS did not attempt to verify this debt with me. I do not owe this debt. I am disputing it. I want it deleted from my credit report. Moreover, I want MRS sanctioned for disrespecting the law that protects consumers from just this kind of activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I been bankiing with BOA since 2016. I had a lot of issues this year due to my identity was compromised when my vehicle was stolen months ago and SSN & other information was exposed. I was not notified my bank account was going into closure until I try to logon my bank account. I cant get any access funds or withdraw anything. I have 3 kids & a pregnant wife and I cant even give my kids a good Christmas or pay any bills with BOA not letting me withdraw my money. I dont know how is this even legal. I have talk to several representatives & they just brushing it off. Now, Im filing a complain because this is ridiculously & 6-7 years of banking I would at least thought I will get better customer satisfaction!

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 2018-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX ======================================== Unauthorized Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ====================================== 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 of 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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, RI, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, RI, XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX, XXXX, XXXX XXXX Balance : {$2100.00}, XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX & XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$220.00} 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 2021-03-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I authorized a payment through Navient 's online payment portal for {$900.00}. On XX/XX/XXXX, Navient had withdrawn two payments from my checking account, one for {$900.00} and an unauthorized payment of {$1700.00}. I called and was transferred from one department to the customer service department. When speaking with the customer service rep, she advised that they had to request a refund with her supervisor and let me know I had to provide my routing and account number in order to receive the refund. I advise they had it on file since they took the money from that account, they should put it directly back into that account without me having to provide the representative my information. Again she said it was required, I asked for alternative methods to receive my money back, she did not present me any options. 

I needed this money back in my account so I provided the routing and account number. She then told me that the refund request could take up to 24 hours and that I would receive the money back within 5 to 7 business days. When I asked how I would be contacted to know if the refund was approved, she said they " do not do that '' and I would have to call myself. I asked what confirmation number or ticket number I had to provide when I call back, she said there was not one. I asked her why there was no one who was going to contact me, and why this was going to take 5-7 business days when this was an unauthorized transaction. I also let her know I had taken screenshots when I made the payment on the online portal and I only hit submit on the website once and had a confirmation number of 176710039C for the amount of {$900.00}. She did not answer my question, she just moved forward and said that I can call back tomorrow to see if my refund was approved. I let her know again it was not acceptable that they are taking money unauthorized, letter her know again I did not provide consent to that payment and asked why there is no way to expedite that money back to my account. Again she didn't answer, and just said I can call back tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, to whom it may concern, My identity has been stolen, and 6 institutions did a hard inquiry on my credit report, and i didn't authorize any of them.

I'll list the 6 below, please help remove these from my credit report and prosecute the offenders that stole my identity. 

( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX I called XX/XX/23 ( XXXX ) Barclays Bank of Delaware  XXXX ( XXXX ) XXXX Application # XXXX, XXXX XXXX, was denied Called XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX Account ending in XXXX Amount owed {$7500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Card issued XX/XX/23 I called them XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX called XX/XX/23 ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please help prosecute all offenders to the extent of the law and PLEASE help remove all this fraudulent activity from my credit reports. 

Thank you 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 explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX accounts were open in my name and they dont belong to me. 

XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX {$3500.00}

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The attached documents describe best my dispute with Bank of America. In summary, I was the victim of fraud while visiting XXXX in XXXXXXXX XXXX. I am evidently not the only one. See attachments. My Bank of America MasterCard was used, without my consent, to charge me US {$1200.00} for about US {$65.00} ( Mexican {$1200.00} ) worth of gasoline at a XXXX gasoline station. B of A also charged me {$38.00} foreign transaction fees. I advised B of A immediately of the error while the charge was still " pending '' on my electronic statement and instructed the bank to halt payment. B of A refused. At first I thought the charge was merely an error, but it is now clear to me that I was the victim of a fraudulent and unauthorized use of my MasterCard. See attachment XXXX XXXX describing similar frauds perpetrated at what appears to be the same XXXX gasoline station ( on the way to the XXXX XXXX XXXX airport ) at which I was defrauded. 

Now B of A demands that I pay the full amount, even though I never authorized a charge of US {$1200.00} to my credit card and actually instructed the bank not to pay the " pending '' charge. As I describe in the attached documents, I was told at a XXXX gasoline station that the attendant was using my credit card to charge me {$1200.00} ( Mexican Pesos ) for gasoline. The symbol " $ '' is used in XXXX to represent Mexican Pesos. In fact, it turns out that the attendant used my card to charge US {$1200.00} to my account. 

Details of the events, my efforts to get B of A to reverse the improper charges, and my discovery of very similar fraudulent charges at the XXXX station are to be found in the attached documents. Those documents include my correspondence with B of A, my sworn affidavit, and materials in which other US visitors to XXXX XXXX XXXX and its airport have described similar fraudulent transactions with merchants using similar designators as were used to steal money from me.

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
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: IN
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 XXXX CO 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX CO 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

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