BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased 2 XXXX  XXXX Consoles through XXXX  ( order # XXXX ) for a total of {$1100.00} - payment method was my Chase credit card on file with XXXX XXXX 
It wasnt until the delivery that we discovered the consoles were restored and not new as shown on XXXX. We immediately requested return authorization that we received from XXXX along with a shipping label. Per XXXX shipping instructions, we affixed their label that had the items being returned to XXXX, KY via XXXX ground ( tracking # XXXX ) - shipped back on XX/XX/2021. 
I received a message from XXXX on XX/XX/2021 that the items had been received. Ive been trying to get my money back ever since. 
I have close to 50 pages documenting conversations with both my credit card company and XXXX trying to resolve this matter and they both keep pointing fingers at each other while Im left still paying on this bill so my credit isnt affected. 
I filed a dispute with Chase who did no investigation even after I sent them the XXXX return slip. XXXX is now telling me that the seller never received the items back and will therefore not reimburse the purchase price. I bought and returned the items through XXXX per their written instructions. The fact that they didnt process the return to the seller is not my problem. 
I have been on the phone every few days with both XXXX and Chase since XX/XX/2021 and have been unable to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}.

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 explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My social security number was stolen and a credit card with Bank of America was opened. A credit transfer of {$100.00} was also initiated from a credit card that I do own. I called my bank and they closed the account and initiated a pause on the credit transfer.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-30
Company: Experian Information Solutions 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:
The Credit Bureaus stated that my XXXX XXXX XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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.

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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: LA
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:
Chase said I benefitted from purchases I didn't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a PNC credit card on XXXX  and got denied. Regardless of the reason for being denied, I have the right to my own credit, withholding my access to my securities is securities fraud and they are violating the equal opportunity credit act as well as the consumer credit protection act since they are denying me my credit they can either reconsider the application or they can remove my application from their system and remove the inquiry it put on my credit report. If they still deny me I will hold them guys accountable with {$1000.00} fine per violation I find. It is against the law to deny me of my own credit and Im willing to let that slide as long as they accept my application. 

XXXX XXXX ATTORNEY FOR ALL CAPS NAME FOR XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Vanguard Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has never reached out about any debt. The so called company put a debt on my credit report. I have no way to reach the company as it does not exist and is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I have file this report because I'd like to clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am not able to file a dispute on Experian website. I am continuously getting an error message and Ive tried to file a dispute on the website multiple times. You sent your response to me via your online system and I have a right to use this online system to dispute information on my credit report. I am not able to except use my rights.

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 2019-08-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2019 our vehicle was in an accident the insurance company totaled the car out the Principle loan balance as of XX/XX/2019 was {$23000.00} XXXX XXXX paid out {$15000.00} Gap Insurance paid {$3000.00} the Lienholder/finance company says I still owe {$6300.00} & is now reporting to my credit after those other payoffs of that balance & says it is a Open Active non Collateral Loan I asked if they can send me the contract I signed they stated that it was not in the contract. The interest on the loan is 27.29 % XXXX  per day interest. During the loan Total Principle paid for 1.5 year payments was around {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: DISCOVER BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A loan of {$9300.00} from XXXX XXXX XXXX appeared on my Discover Alert. contacted discover and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE DISCOVER REPORT. please contact at XXXX for further follow ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account 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 non-monetary relief
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: CA
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:
Over the pa st three years Navient no w has my loans, and every time i call them to find out options considering my situation, they always fail to help me. I try to get information from them and i feel that they hesitate to really explain how each option can effect you, also are not clear at giving you numbers if i ask for them, they just tell me we wont know till you apply for that or apply for this. I called again this morning just to find out more information on my loans, and they give me the run around. The are not clear on giving you information, they sound like robots, and since this is a sensitive subject for me, they are not kind. Also i asked if i can join certain payments together or i have no idea how they decide to separate my payments, so i am able to bring my principle down. I feel with navient my principle just goes up and up, and they only give me an A or B option. I know there is more that can be done, or at least know what my options really are so i feel that i am at least making a dent in my student loans. I have complained may times to navient, that they dont have enough options for me and all they say is sorry, this is all we offer. I dont think this is true cause i feel other people dont feel this way in other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In the past, I held multiple checking accounts with Bank of America. Unfortunately, during my time as their customer between XXXX and XXXX, I experienced recurring incidents where I was charged excessive fees for insufficient funds. These charges occurred multiple times for the same rejected transactions.

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 2022-09-14
Company: Experian Information Solutions 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
As I have done many times before, I wired monthly child support to my former spouse, who recently remarried and changed her name. I was unaware she had not yet changed her name on her bank account. Instead of contacting me to sort it out, Bank of America took {$45.00} out and bounced the remainder back. I called and tried to sort it out over the course  of two phone calls totaling 40  minutes. At the end, I was told the wire department would not speak to me because I 'm not a Bank of America account holder. I am, in fact, an account holder. I had no way to know about their fees, and they had no right to take the money from me without a signed agreement from me. A simple phone call or email would have solved things, but they too k the low road on this one.

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 2018-12-04
Company: Experian Information Solutions Inc.
State: NV
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:
There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. XXXX XXXX XXXX XXXX doesn't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT 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 2023-04-05
Company: EQUIFAX, INC.
State: TX
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error. 
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 explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I reached out to the 3 credit bureaus and Bank of America, about information they are furnishing on my credit report back in XX/XX/2022. I explained about the inaccuracies of the report how it was effecting my XXXX  status. in XX/XX/2022, I was placed on administrative XXXX XXXX XXXX My lively hood started to turn into a hardship, today XX/XX/XXXX, XXXX because of lack of income, I had to sacrifice a roof over my families head or paying bills. The XXXX  I'm feeling just writing is and has been stressing me out, my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the house. This morning I got an alert of an adverse action that was placed on my credit report from Bank of America, my XXXX XXXX dropped XXXX points today and XXXX points within the past 10 days. I received a phone call not to long after that update, that my XXXX  was gone. XXXX XXXX XXXX XXXX, I reached out to Bank of America before this happen to let them understand my position and how they did have the right to furnish that information, also countless billing errors that needed to be fixed that they ignored. The claimed they did investigation, but I still have not received a copy of the report, no one I know have been contacted about this investigation and I was never called, emailed or contacted about such matter.

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