BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: IN
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:
We used two credit cards from chase bank to purchase two services. We never received either service. We disputed all five charges which were made from one merchant who billed us under two names. Chase agreed with us in three if the charges but has refused to provide relief for the last two. We disputed the charges in XXXX of 2019, provided all information requested. Even had our chase banker fax information the information from her bank to credit card division in XX/XX/XXXX. We also faxed the information ourselves to them in XX/XX/XXXX. I made multiple calls to them and asked what additional information they needed to resolve the last two disputes. We provided everything they asked for. In XX/XX/XXXX I was told that too much time has passed to resolve the final two disputes. One of the disputes they had resolved in XX/XX/XXXX was to the same named company that the last two disputes. I asked them the logic of approving one of three disputes with the information provided but not the last two. No answer provided. I requested a copy of all information we had provided them. They sent only the information provided on the claims from the card with the two open claims, not the information from the card which had a very similar charge settled in our favor. I have request that information again and am waiting for response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. 

It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-01-25
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:
my bank pulled a free credit report for me an I found all of these names an accounts that dont belong to me. I filed a police report an called all companies they wont do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Citi card ( Costco ) which I use for all purchase. Recently I bought an air ticket to visit my mother who was sick and admitted to hospital. Later her condition deteriorated and then I had to change my return ticket for the first time. After that her condition again improved and was discharged from the hospital. After coming back home, after a day she passed away at home. So I again changed my ticket for the second time. 

In the CITI card protection benefit document, the following are mentioned as the reason which is covered. 

" The Covered Travelers Family Member, not traveling on the Trip, has an injury or illness that is either life threatening or requires care from the Covered Traveler ( s ) and is verified by a licensed medical practitioner. '' " The Covered Travelers Family Member, not traveling on the Trip, dies '' However they denied this claim saying this is " Pre-existing conditions ''. 

I called them and they gave the same reason. This is a straight forward claim and I am definitely not happy with this. 

MY CLAIM NUMBER with CITI - XXXX Also attached is CITI benefit documenXXXX.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a XXXX XXXX card account in XXXX and received my card and activated it. I called Chase and asked them to move my available credit from an existing card to my new card as I wanted to make a large purchase. I then closed my old card account. 

On XX/XX/XXXX, I attempted to make the purchase. My card was declined. I called Chase and asked why my card was being declined. They could not figure out why it was being declined, It showed my credit limit of {$30000.00}, no outstanding balance, but XXXX available credit. Customer service could not see the transaction trying to post or be declined. They had to refer me to the fraud department. I spoke to the fraud department and they could not determine the status of the decline. I was then told by the fraud department that my case was with an escalation fraud team and they would have to call me back. I specifically asked if i would get a call back that day and was told yes. I was making a purchase that had a XXXX discount if I paid it in full on Friday the XXXX. I did not receive a call back on Friday. 

Today is Thursday XX/XX/XXXX and I still have not had a call back from ANYONE at Chase. So I called in today and closed my account. I will NEVER have another account at Chase. 

I lost the discount on the purchase I set this card up to make and again have NEVER gotten a call from Chase to explain why my card was declined. 

I opened this card in good faith and feel the Chase has treated my unfairly and by not receiving a call back or Chase being able to explain my account, they have deceived me. Now, I have an inquiry on my credit report for this card, and an opened and closed account will reflect. I have an excellent credit score, and this will affect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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:
Thank you for the opportunity to express my situation... ..pI have this one credit bank by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You

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 2020-07-15
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CFPB Case # XXXX was resolved on XX/XX/XXXX with credit of missing {$500.00}. On XX/XX/XXXX funds were withdrawn again incorrectly {$500.00}

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 monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2019-07-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a residential mortgage with TIAA Bank. They purchased Everbank who had my loan for over 15 years, the entire time with XXXX XXXX as my insurance company. So TIAA purchased my loan that reflected the same insurance company for over 15 years. I recently decided to change insurance companies. After much research I decided to sign up with XXXX XXXX insurance. On XX/XX/XXXX I signed up, and 24 hours later, after discovering my agent lied to me about my coverage, I canceled it on the XX/XX/XXXX - 24 hours later. I had requested that I pay the first years premium out of my checking account. However on XX/XX/XXXX - despite not authorizing TIAA to  disburse anything out of my escrow account, and despite having only a declarations page from XXXX that was already invalid from being cancelled - TIAA Bank gave XXXX XXXX {$2100.00} out of my escrow account putting me at over a - {$1200.00} ( negative balance ) in my escrow account right when property taxes were being paid! TIAA not once called me, did not required something with my signature authorizing payment from my escrow account, or did it do anything to verify that XXXX had any authorization or basis to take money from my account at that point. Recall the policy was canceled XX/XX/XXXX, and TIAA paid them {$2100.00} on XX/XX/XXXX. It was not until I received a letter from TIAA over a week later that I discovered XXXX had my money, and I had to contact them and demand that be refunded to get it back. TIAA did nothing to correct their error, I did all the work. I want the CFPB to investigate TIAAs violations of their escrow account regulations and their mishandling of my escrow account, their failure to confirm the validity of a request for payment, and their failure to verify with me that I was in fact making a change to my insurance carrier. Fortunately I had not canceled my policy with XXXX XXXX, so that was still intact. TIAA took no steps to ensure the sole document they received to demand payment, a mere declarations sheet, was not fraudulent or contrived. Given TIAAs lack of protective or responsible actions, it is clear that anyone could obtain TIAAs mortgage loan numbers and then submit false declarations pages from a fake insurance company and clean out a lot of money from a lot of escrow accounts held by TIAA! I am now very stressed and worried that they are not going to protect my funds, not theirs, from fraudulent activity they clearly have no processes they follow or protections they go through before handing out checks! 
I dont need to talk to them, I already wasted a couple of hours of my time arguing with them about how irresponsible and unacceptable this was for them to allow, and they dont appear to understand the problem. Im done speaking to them, they need to be investigated and examined for the violations theyve committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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 2019-07-03
Company: CITIBANK, N.A.
State: CT
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:
An extra charge was made to my credit card, {$300.00} ( or XXXX  XXXX XXXX ), during my booking XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX. I had disputed the charge with Citi card company, Citi card company never wants to resolved the issue. After I directly discussed with the hotel, XXXX XXXX XXXX XXXX realized the mistake or the mischarge, and had reimbursed/cancelled to Citi card company with the amount of XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX  but the money has not been to my card yet after four months. I have called the credit card company a couple of times, the issue has never been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans are serviced by Mohela. I have been a federal employee for over ten years. After several months of no progress, my loans have been forgiven under the Public Service Loan Forgiveness Program. My balance is currently showing {$0.00} on both Mohela as well as StudentAid.gov. However, my credit reports are still showing that the loans have a non-zero balance. Mohela is saying that it will take ninety BUSINESS days to correct the amount on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Jonathan Neil & Associates, Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I joined the military and was unable to receive mail for 5 months and in this time I did not get any notification that I had a debt to be paid to Jonathan Neil and associates. During this time I was in the middle of an address change and started basic training. this means I did not have access to electronics of any kind or my home mailing address for 5 months at the 6 month mark of me being in the military I was finally notified by dot of Washington state that my license was being suspended due to unpaid debt towards an insurance company. This was the first I heard of this debt and even though I contacted Jonathan Neil and associates immediately after being notified by XXXX Jonathan Neil would not take the license suspension off my license with a payment plan in motion. By this I mean I already signed documents stating I will pay XXXX a month to this debt until it is paid in full with XXXX payments completed and a down payment. I have now paid off XXXX dollars of the XXXX owed. They will still not release the suspension. As my intention was never to run away from this debt I have consulted base legal to discover that this is considered very uncommon and before legal action is taken on my behalf the cfpb should be utilized first. I now have to repay for my license, motorcycle endorsement and will not be able to get a job in the automotive industry due to my now present negative driving record as I had before I joined due to the simple fact that I did not have access to my mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: OH
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:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by 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 explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief