BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had 5 Chase credit cards, in XX/XX/2017, and Chase agrees, all were in good standing, paid in full and on time each month.  I cancelled a Chase Freedom card in order to apply for a different version of the freedom card, they sent me the new card and then cancelled all 5 of my cards because they stated they completed a random audit and decided I had too much open credit.  They did not notify me until two weeks later, via US mail.  Since then, I have applied for other Chase cards, mostly from the email offers they have sent me.  For each application, they do a hard pull on my credit report but won't tell me from what credit bureau they used, when they send the rejection letter.  The letter only states "Previous unsatisfactory relationship with this bank (Reference Number XXXX)".   I can't go back to the credit bureau, to correct any bad data, because that is not the reason given, nor has Chase ever given me a date of when this rejection will stop or if there is anything I can do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid 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:
Again today ; XX/XX/2019 I tried to sign in my Wells Fargo online account information. It did not recognize me again. I just was re-instated on XXXX XXXX as Wells Fargo sent me a notice there was suspicious activity on my Card in XXXX. I tried to call when I received the Letter via USPS explaining this and my card was placed on hold .. I called and left a message. At that time as the signer wasn't there. He returned my call and refused to talk with me as I could not provide my Verbal password I reset in XX/XX/2019. It had been blocked as it was invalid since XX/XX/2019. It seems when I make an XXXX Purchase. XXXX  XXXX and / or XXXX submits two seperate charges. One for the Purchase for the Product. One for TAXES. Wells Fargo sees this as a breach. I've been breached at Wells Fargo 7 times IIRC.

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 2018-02-02
Company: CITIBANK, N.A.
State: TX
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:
My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.

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 2019-09-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A freeze is supposed to remain in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. On XX/XX/XXXX, I made an online request to Equifax to temporarily lift my credit freeze for XX/XX/XXXX. Equifax utterly failed to do so even though it repeatedly confirmed orally and online that the freeze was lifted because my prospective lender ( XXXX XXXX ) tried repeatedly to see my credit file but said she could not do so. In disgust, I made an online request mid-day on XX/XX/XXXX to permanently lift the credit freeze. However despite repeated assurances online and over the phone, my lender could not read my credit file either on the afternoon of XX/XX/XXXX or all day today XX/XX/XXXX. 
Equifax says it lifts a credit freeze within one hour and on my online Equifax account MyEquifax it appears to do so. But practically the freeze stays on longer than that because my lender can not read it. A few minutes ago I made my sixth call to Equifax asking why the credit freeze has not been lifted. Now Equifax is requiring me to complain to them in writing and to send them my social security card and my drivers license because I supposedly can not confirm information in my credit report -- a credit report I reviewed in detail yesterday and this morning and even disputed some outdated employment information in the file today. What is wrong with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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:
Credit Report drawn for mortgage loan. 
Experian, XX/XX/XXXX IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''

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 2020-07-30
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-08-19
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW 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 INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Trident Asset Management, L.L.C.
State: PA
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:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MN
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 called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

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 2019-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX  of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made a negative impact on me, especially when using credit transactions and so, I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX {$170000.00}

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 2018-07-05
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:
XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX  XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

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 2019-01-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan. 

In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX. 

XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX Equifax, and XXXX were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi my name is XXXX XXXX my capital one credit cart is close because payment is returned I understand its my far but I need las chance open again my account I fix it that problem I dont need my credit history go down please help and give me at other chance I call costumer service but thay dot give me any chance please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in discussion is Capital One/Saks the issue at hand is a late reporting in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody atCapital One/Saks. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: Bread Financial Holdings, Inc.
State: AL
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:
I purchased items for my sons birthday and XXXX stated that it was delivered. However I was not home I was at work and there was no one to sign for my package. My package required a signature. Needless to say I never received my package and I was told that within 10 days I should receive a refund from XXXX XXXX and I never did. Nor did PayPal resolve the issue and give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to call the person that scammed me to get my money back but of course he disappeared, so I called my bank and explained that I was scammed and asked if they could help but they said because it was through XXXX, they were unable to do anything. So I called XXXX and they said since it was through my bank that I had to call them. I called them again to try and resolve this issue and they continued to say they could not help me. I lost {$740.00} to a scammer and they say they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: KS
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:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

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 2019-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: CA
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:
Hello, I have always been in good standing with my HESAA/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and HESAA/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister  should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX University, not hers. When on the HESAA/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.

Company response to consumer: Closed with explanation