BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had fraudulent charges on a credit card, while there was fraud including access to the online portal the re-occurring payment was changed without my knowledge. Thus a balance was created of late fees and charges. round {$10000.00} was accumulated during this time, {$5000.00} was reversed in fraud charges, but the interest and fees were not, an additional {$5000.00}. 

Prior to this incident I had a history of paying the balance of this card 100 % at the end of every month. Upon discovery of the charges Chase was notified Of the current balance {$5400.00} are exclusively fees and interest from fraud. 

I have over years communicated with Chase about this, including a woman named XXXX at Chase Corporate Office. Fraud and Collections representatives simply hang up on me without a call-back or transfer me back and forth reputedly. I have left my call-back number during these calls, but Chase refuses to call back. The advise I received from Chase Corporate is to keep calling the Fraud and Collections departments so that they can continue to hang up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: LD Holdings Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for mortgage loan back in XX/XX/2020 with MTH mortgage. There was a credit inquiry posted on my report from XXXX. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX  ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX ( see uploaded copy ), but again they have not addressed that issue.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: MI
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 been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.

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 2022-01-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, Equifax and XXXX along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX  XXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Staring in XXXX I began paying off my old student loan once for the amount of XXXX $ and then for XXXX $ and both were returned. My bank said no payment was attempted and Nelnet says my bank can not process the payment. I tried again with XXXX $ as I am gaining interest everyday. It was returned and I contacted my bank again and no payment was attempted and Nelnet says that my bank could not process the payment. I called multiple times and was on hold for hours. I attempted a payment of XXXX $ and XXXX $ on my new student loan which was also assigned to them. I submitted a complaint with federal student loan services letting them know I insist on having a new student loan provider as Nelnet is thieves and they are awful. I am being charged more every single day and my payment of XXXX $ ( referring to the above ) was just returned with no attempt made to my bank and the same message from Nelnet that my payment could not be processed. When I did get someone on the phone I did make a payment over the phone which is not yet processing nor has it been returned yet nor have I seen any money moved from my bank. I do not trust this company I see complaints of similar and many different issue online, new ones everyday. Nelnet is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I noticed a pending transfer transaction of a negative - {$400.00} on my personal banking account to my open end consumer credit plan. This caused me to XXXX  out of control and I called Navy Federal Credit Union ( NFCU ) to find out who fraudulently transferred money out of my account. The NFCU customer representative named XXXX told me that my account was not hacked and that it was NFCU Collection Department who transfer the money fraudulent without my approval or request. When I asked XXXX why did NFCU Collection Department would fraudulently transfer my money to an open end consumer credit plan that I extended to NFCU to extend back to myself she responded by saying I should call their collection department to find out. 
In addition, NFCU Collection Department also sent a deceptive debt collection letter to me that included their company logo, false reporting to credit bureaus instead of credit reporting agencies, accusing me of owning a debt on my open end consumer credit plan that is suppose to reset after the balance hits its max limit and a finance ( interest/percentage rate ) charge ( {$50.00} or less ) is paid. NFCU also fraudulently transferred a negative - {$360.00} of my money to my open end credit plan on XX/XX/XXXX. NFCU is not properly handling my open ended consumer credit plan properly and that is causing me a great deal of XXXX XXXX  and reporting negative information to credit reporting agencies, and stopping me from extending line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 2022-01-02
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:
me the consumer attempted numerous times to remove and block the negative information list on my report. these companies are causing defama6ion to my characte.r

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 2022-01-02
Company: EQUIFAX, 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:
me the consumer attempted numerous times to remove and block the negative information list on my report. these companies are causing defama6ion to my characte.r

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I requested to change my credit card type ( XXXX XXXX XXXX American Express card ending in XXXX ) to a more advanced card ( XXXX XXXX XXXX American Express XXXX card, card number remains unchanged ) in response to a promotion offer ( the offer page is attached below ) which stated that I shall receive XXXX XXXX Reward points after I spend more than XXXX XXXX dollars on the new card within 90 days following the card change. I made the change ( i.e. upgrade ) through a phone call since the offer link given was leading to errors if upgrade online. 

By XX/XX/2019, I already completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). I contacted a XXXX of American Express and mentioned the upgrade offer, asking them to verify that my purchase amount had exceeded XXXX. The agent couldn't locate such a upgrade offer on my account and my concern was escalated to a XXXX XXXX XXXX XXXX XXXX XXXX who asked me to share the offer page through his personal email ( XXXX ). Through our email exchange, I provided some details of the upgrade offer on XX/XX/XXXX. However, I then never heard from him after his one-time reply. I had requested a follow up through this email for several times, on XX/XX/XXXX, XX/XX/XXXX, etc. Our email exchange history is attached. 

By XX/XX/2019 when it has been 90 days since I changed the card type, I have completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). No bonus posted to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-04-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}. 

I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days. 

I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date. 

I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours. 

On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went. 

I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO. 

To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter. 

When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait. 

I sent a secure message to the Fraud Dept. 

On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to. 

I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received. 

To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
There is a fraudulent credit card account with XXXX that's reported as delinquent on my credit report. The account was opened in XX/XX/XXXX, while I was living in XXXX as an expat, and belongs to someone else that lives at an address in Texas that I do not recognize. I have tried to dispute it both with Experian and XXXX when I first noticed it on my credit report in XX/XX/XXXX, but it never got investigated or addressed, and now it's affecting my ability to qualify for an apartment lease. Both Experian and XXXX have denied accountability by directing my inquiry/ dispute to the other. XXXX customer service pretended to have handled the issue when I talked to them on the phone, but still the fraudulent account remains on my record. Experian denied my dispute on the ground that I have already tried in XXXX and I can not file the same dispute twice. 

I have always paid my bills on time and have never had any financial problems, but now I can not even get an apartment thanks to the credit rating system.

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 2023-05-15
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday XX/XX/2023 got this message from Chime Bank " The phone number on your Chime account has been updated to ( XXXX ) XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX if you did NOT request this change. '' Couldn't log in to my Chime acc. Called Chime, agent told me to change password, I did. 
But all my money gone, everything... {$3000.00}. XXXX made XXXX transactions to XXXX  on different names in just an hour Called Chime several times, wrote emails. And all Chime is telling me to wait to see if those transactions " settle '' and then " You will receive a push notification from us to confirm that youd still wish to file the dispute when at least XXXX transaction settles '' and it can go up to 90 days. 
I didn't authorize these transactions. My account was hacked, Chime bad security didn't protect my money. They even issued temporary card to hacker. My {$3000.00} stolen. all the money I have gone. 

I need my money, and CHIME is doing nothing about it except telling me to wait and then file dispute while I have {$0.00} in my account...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: LA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern : I reached out to the following companies and submitted documentation of the following : Paid in full- XXXX  XXXX Account is requested to be removed Based on companys request. ( XXXX XXXX/XXXX  XXXX  ) Balance/account paid- XXXX XXXX XXXX XXXX/XXXX  account fraudulent account. 

I reached out to XXXX, XXXX  and Experian and supplied appropriate and supporting documentation. Letters from each company requesting items to be removed and items paid. To date, they keep saying account verified. How can this be verified when the I have letters showing account paid.

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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit 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:
I went online to my account and paid the full amount that was owed and called Chase that same day and told them I was closing the account. 

Almost 2 months later I get a text and an email stating my account is past due. I looked online and the same day my payoff was posted, other charges were posted. along with {$95.00} of interest. I asked them what that was about they claim it is billed in arrears and these were charges coming over on next statement... I told them that when you pay online it does say this is not your payoff, like an auto loan or home.. I never received a notification stating that I owed any more money until it is 16 days past due. 

I had an account with them for like 10 years maybe more have paid tens of thousands of dollars and have excellent pay history with them, this is so deceiving and completely unacceptable. 

I attached a copy of billing charges and a screen shot that shows amount owed and underneath states current balance not a statement that this might not be your payoff so contact us .....

Company response to consumer: Closed with monetary relief