BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment made on XX/XX/XXXX on Chase credit card account in the amount of {$24000.00} was returned in XX/XX/XXXX Payment made on XX/XX/XXXX on Chase credit card account ending in XXXX in the amount of {$25000.00} was returned in XX/XX/XXXX. I am unclear how this is even possible when I have emails from the company I worked for authorizing the payments and they were clear for six months. The authorizing company essentially is stealing {$50000.00} from me and Chase Bank is helping them do it. 

I have emails and all documentation for everything. I am unclear why I keep getting the run around from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a Federal Government employee that has student loans with FedLoan due to the Public Service Loan Forgiveness Program ( PSLF  ). On XX/XX/XXXX FedLoan approved my Revised Pay As You Earn ( REPAYE ) plan and increased my monthly payment from {$630.00} to {$1200.00}. For their evaluation of my REPAYE application FedLoan solely used my XXXX tax return provided by the IRS and did not consider any other information. I am married and we file taxes jointly. We have XXXX dependent child that is XXXX years old. I do not understand how FedLoan doubled the monthly payment amount because in XXXX we earned {$3700.00} more in wages than in XXXX. Our personal circumstances are the same than in XXXX so I do not understand how FedLoan reached this amount. I need my REPAYE monthly amount re-considered because it is shocking that my payment doubled from {$630.00} to {$1200.00} for just earning {$3700.00} more in one year. 
Additionally, the REPAYE evaluation does not take into consideration that my wife and me have additional student loan payments ; that our mortgage payment increased from {$2000.00} to {$2400.00} ( {$320.00} more ) in XX/XX/XXXX ; that we have to pay {$860.00} in daycare a month ; that we paid {$2400.00} in our XXXX taxes ; that we have to pay utilities, car insurance, health insurance, etc. Respectfully I need FedLoan to consider the totality of the obligations my family has to pay a month to recalculate my REPAYE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: PA
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. 

The following accounts have violated my rights : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME 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 2023-03-08
Company: EQUIFAX, INC.
State: AZ
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave these companies any written consent to report anything on my consumer reports. No consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-01-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My card limit was lowered without me knowing and caused a XXXX point drop in my credit score because it was flagged for overuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX SSN : XXXX Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
<name of the company with unauthorized inquiry> XXXXXXXX XXXX XXXX XX/XX/2023 Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission.

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 2023-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off this loan in full recently I know this company takes a long time to report it and I need to have this account to be updated as paid off in full to the credit bureau and never borrow from this company again. 

Please report this XXXX balance loan to the three major credit bureaus thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wanted to lift a credit freeze I have on my account and the phone number they have is not by current phone number. I called their customer services # and at the direction of their attendant went through their on-line self-help 2 times and was not able to get them my right number. The third time I called I kept asking to speak to a representative which I believe could have resolved this very quickly, their system would not allow me to speak to a representative at all and finally hung up on me. There does not seem to be any recourse to solve any problems with them unless you want to send them letter and mail it through the postal service. I did not see any email address for customer service.

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 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America keeps denying my claim for XXXX that my lil brother admitted to me before his passing that it was him who stole the funds and keep denying my claims

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 2020-01-10
Company: DISCOVER BANK
State: OR
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 am a victim of fraud. I had discovered that credit cards had been applied for and used using my identity. The moment I learned of this, I immediately called Discover card services and notified them and told them to freeze the account. I was not sure exactly what else to tell them at that time. I then called XXXX XXXX and started an account. Some time after that I received a bill from Discover, and so then I called them, they kept asking if I wanted to stop account and get a new one. Their wording was very confusing and they just kept asking despite me telling them that this is fraud and they needed to stop the account. Some time after that I received a new Discover card in my name with a different account number, and also a bill for the fraud account. I then called Discover again and told them that I dont want an account and that its all done under an action of fraud. The lady got very mad and told me that this is what I requested. 
I filed an FTC report and went through the processes and ended up having to request the credit reporting beuros to block the information, they did block it, but months later they unblocked it. I then requested another investigation with both Discover and XXXX. They both said that the information was correct. 
I have letters from Discover stating that the account was found to be fraud and also four different account numbers on the papers from Discover. When I requested all informationf from Discover, they sent me only the paperwork with the original account number. I still have all the papers with the different account numbers and them stating the account was found to be fraud. Discover has cost me well over $ XXXX in failed transactions and so much more!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, Onemain, without my permission, did a hard inquiry / credit check. While I've done business with them before, no paper or online form / permission was given by me for them to do a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX, as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-11-09
Company: MOHELA
State: NC
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:
Mohela is my student loan servicer. I have been using the Federal Student Aid and Mohela loan repayment calculators since late XXXX to prepare for repayment post COVID. My payments have consistently been estimated around $ XXXX when accounting for my new higher income as well as my spouse 's income and loan amounts. When payments resumed in XX/XX/XXXX, Mohela posted that I owed {$930.00} a month. I applied for the SAVE plan using my income, my spouse 's income and our loan amounts. This payment was estimated around {$500.00}. My application was approved by the end of XX/XX/XXXX per Mohela but my payment stayed at $ XXXX. I called a Mohela representative in XX/XX/XXXX to resolve this, they confirmed by doing the payment calculator with me on the phone that my payment is estimated around {$500.00}. They resubmitted my SAVE application while I was on the phone and told me my payment would be reflected in a few weeks. It is now XX/XX/XXXX and my payment is still showing as $ XXXX on my Mohela account. I have waited hours on hold to speak to a Mohela representative about this to no avail. I can not and will not make this payment. Mohela has not sent me this bill in the mail, they have not updated my payment with the SAVE plan reflected, and I can not get in touch with anyone to resolve this issue. Additionally, my payment prior to COVID was only $ XXXX. Due to the COVID allowance of using the previous year 's income, my payment should not have even changed this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Early Warning Services, LLC
State: UT
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:
Early warning system re-inserted multiple account information back on my consumer report. Has failed to provide how XXXX XXXX verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2019-05-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I was away on military duty, and had no way to pay my cards. They marked me late those 3 months, as soon as i returned, i paid it off completely. Per soldiers and sailors act, they aren't suppose to charge me as late.

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