BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: JPMORGAN CHASE & CO.
State: MA
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:
I had two fraudulent charges from the same vendor ( XX/XX/XXXX) show up on XXXX XX/XX/2020 on my Chase credit card. Only one of the transactions triggered an alert. I received that fraud alert and I acted on it and the charge was dismissed ; but the second charge of {$95.00} did not trigger an alert and now I can't get Chase to refund me the money. 

Their website instructions say that I can click the " Dispute a Transaction '' link in theXX/XX/XXXX detail tab, but that link does not exist. I have tried for months to reach Chase, but the only way to dispute a claim is to call their 1-800 number, and every time I've tried that no one has picked up or I have been disconnected. 

The fact that they don't have a self-identify fraudulent activity functionality, don't have the bandwidth to answer their fraud hotline, don't have a chat function on their website to assist customers, haven't provided an email address, and can't flag a fraudulent vendor within their system are all concerning. A bank like Chase should have these measures in place. They do not have basic fraud reporting measures in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On or around XX/XX/XXXX credit decreased XXXX points on Equifax ( as seen on XXXX XXXX XXXXpp ) due to {$370.00} payment/balance decrease of XXXX XXXX card . Contacted Equifax [ on or around XX/XX/XXXX ] and was assured that score did NOT drop [ XXXX ] and a copy of report was mailed via us postal. XX/XX/XXXX, a complaint was made against XXXX XXXX ( case id XXXX ). On XX/XX/XXXX report revealed Equifax score of XXXX which is a XXXX point decrease instead of previous XXXX points. XX/XX/XXXX contacted XXXX XXXX they use another bureau, not Equifax . if possible, I would like to use same uploads from complaint XXXX against Equifax instead .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from capital one stating that I filed an Internet application on XX/XX/XXXX and that my account was opened on that day. I was told the last charge bill to my account was on XXXX XXXX for {$35.00}. I was then told that my account was closed and sold on XX/XX/XXXX. I do not recall ever applying for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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 disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # 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 explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am an XXXX Military XXXX  that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with XXXX credit services and Equifax. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the Equifax and XXXX  website. As of today's date XX/XX/2019, still no response or update within 30 days from Equifax nor XXXX. Now, I am requesting this be rectified through CFPB. As a military XXXX    that holds a XXXX-XXXX   XXXX, it is imperative that this is resolved before I become a victim of theft identity. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016 I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2022-08-06
Company: Experian Information Solutions Inc.
State: SC
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 sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS- XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of snap trafficking but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

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 2023-06-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank is demanding unnecessary and private information from me on fraudulent and misleading terms. Essentially they are committing marketing fraud through extortion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had problems with Rushmore LM for a few years with them changing my interest of fixes rate. The pandemic has hit me financially, my business has suffered greatly. I contacted Rushmore in XX/XX/2020 for assistance. After over 30 calls to several so called point of contacts who never responded after they sent multiple letters stating help was available. XXXX XXXX wouldn't help me because I'm not XXXX and hung up on me. The latest contact has failed to respond to 8 calls. I filed for assistance in XXXX, of course they claimed didn't get all documents. But I sent check list with Documents. So I sent again. Here it is 7 months later. No response in any form. They don't call back, put me on hold but Do not get on phone. 
I gave up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: CA
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:
The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for Wells Fargo, N.A. 
>Late payments on accounts with other creditors >Too many inquiries or applications for credit The information is not only inaccurate, but has no legally-valid basis for consideration in making a credit approval decision. Under 15 U.S. Code 1681, Wells Fargo, N.A. has engaged in adverse action by unlawfully denying me access to a line of credit. A letter detailing these violations has been mailed to Wells Fargo, N.A. Underwriter on XX/XX/2023 to correct these errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I purchased a car through XXXX XXXX  in XXXX, Arkansas.  I have made all my payments on time, and paid off over $4,400, and only owed $XXXX  as my payoff amount.  The car kept having mechanical issues I literally could not ever afford to pay for, and their policy is that they do not have to consider mechanical issues.  I told them I could not afford the second payment in XXXX 2019 due to spending $XXXX on repairs, and still needing more.  XXXX from the XXXX office, informed me that if I was not going to be able to make the payment ($XXXX), they could repossess it. I told them it was broken down in Tennessee and if they wanted to go get it, go ahead because I can not afford to tow it back home.  They went and got the car, and sent me a letter stating that they were going to sell it afterXX/XX/2019, and that I WOULD NOT OWE ANYTHING after the sell of the vehicle.  A few months before this all happened, the finance company I worked for turned XXXX, the manager of XXXX, over to a collections agency for consulting our company did for them. XXXX  called and XXXX  me out saying they are going to take my car and suing me because I let them turn her over to collections. After she got mad, my entire account status changed, she even changed my payment dates and didnt tell me, which made a whole issue of late payments that took a week to resolve...and now they are reporting it as a repossession, with all these late payments that never happened, misreporting my entire account and saying I owe them money now.  I have the letter they sent to prove what they said, as well as proof that XXXX has a collection account with our company and a personal vendetta.  I have made the XXXX corporate office aware of the issues, even before I missed a payment. They always say they will take care of it and never did....resulting in this.

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 2020-10-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The student loan servicer engaged in unconscionable commercial practices, deceptive conduct, and misrepresentations when servicing thousands of New Jersey consumers student loans.

Navient s deceptive and unconscionable tactics at various times over the last decade Steering borrowers into forbearance instead of income-driven repayment plans better suited to their financial circumstances. Failing to inform borrowers of deadlines to recertify their eligibility for certain income-driven repayment plans. Misleading borrowers about the amount of their delinquency.
Also, two counts of New Jersey Consumer Fraud Act ( CFA ) violations one for unconscionable commercial practices and deception, and one for misrepresentation.

" Navient had a responsibility to help financially struggling borrowers select a loan payment solution that offered them a fair chance to pay back their debt. Instead, the company incentivized its employees to put company profit above their legal obligations, with little or no regard for the student borrowers who fell deeper into debt as a result.  '' Desire to join action : State of NJ, XXXX, AG XXXX, NJ DCA Dir. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony bank charges off the debt and sold it to XXXX XXXX. XXXX and Synchrony bank both showed the balance for the debt and both tried to collect on the debt at the same time. I paid XXXX XXXX and they deleted the reporting and synchrony bank charged the debt off again on my reporting as if it was a new charge off for XX/XX/2019. They then made the balance XXXX. This is unfair and illegal debt practices. The synchrony bank rep said it would be deleted as well however its still reporting and reporting as a new negative impact on my 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 2021-03-27
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: Can't close your account

Complaint:
I would like to know what type of math equation is used that a customer owing {$700.00} in expenses turns out to equal {$6400.00} to this date in XX/XX/XXXX. I have never known a account to continually go up rather than be paid down monthly. 

I have paid {$8100.00} on an account that if my statements are examined what is reveled is no charges in 2-1/2 years. It looks like all of my payments have been added as money owed on the account. I have more than paid for this account to be closed. 

The calculations for the credit limit added with the interest on the money that has been paid into the account has resulted in a outrageous monthly bills. 

How many letters do I have to write addressing this very problem. Capital One should be ashame of themselves taking advantage of a consumer who pays their monthly expenses. I would like advise on how to close this account out as soon as possible. There is no way fairness has ever be used since XXXX sold the account to Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: U.S. BANCORP
State: NY
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:
Unauthorized Credit inquires from multiple places that are unknown of

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion has refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION HAS DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In XXXX on a Sunday, I was called about a missed payment and I asked how to get on a payment plan and how much I could pay I agreed on XXXX a month to get caught up within three payments but I got a statement for a minimum amount of {$1200.00} a month I have tried multiple times to tell them to put it towards the cash advances I did but they refuse to do so I am in my right to put the payments toward the cash advances Once again I had a payment agreement for $ XXXX for three months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: CO
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:
I have a credit card with XXXX. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I filed a previous complaint with American Express many times with cfpb to have the credit inquires removed off my XXXX  report and I receive letters from American Express saying it will be removed but unfortunately they are still remain on my credit report and I contacted them and they said it was suppress off my credit report but they remain on my file so I dont know what going on I didnt apply for a credit card with American Express and there are at least 5 inquiries dating XXXX the XXXX XXXX and XXXX the XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX that I didnt apply for and Im not getting anything done with this ... this will be my third complaint I filed ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief