BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During XX/XX/2021 was shopping on Amazon, normally use a debt card was asked if I would like to try an Amazon Chase credit card. I agreed and filled out the necessary forms. According to the agreement if I chose not to enroll in electronic billing I was to do nothing and a paper bill would be sent to me. 
Items purchased were delivered with no issue. 
About six weeks later I had still not received a card or a bill however I did get an electronic message stating my account was past due and late charges were pending. Upon contacting Chase I explained the issue of not receiving a statement and confirmed that they had my correct mailing address. After explaining the situation with no less than six individuals I was finally able to get the account closed and was told I would receive a statement with past due charges dropped. I did receive a statement dated XX/XX/XXXX with {$28.00} in fees and {$9.00} in interest. The total of the statement was in the amount of {$580.00} which was paid in full at that time by check that cleared our bank on XX/XX/2021. 
On XX/XX/2021 I discovered my credit rating had dropped from XXXX. Chase had said that I was delinquent. The same day I contacted Chase again, After Talking to XXXX XXXX, XXXX at Chase, XXXX with the fraud team and finally XXXX. I was told Amazon was Billing Amazon Prime on this account. I confirmed with XXXX that Chase has my correct mailing address when she told me I was set up for electronic billing. I never wanted, asked or applied for electronic billing and XXXX told me I would receive a paper bill with reduced but not cleared late charges which I agreed to pay. To date I have not received any such bill but have been hit on my credit report again .In total my credit report has dropped from XXXX to XXXX due to Chase XXXX 
All I want is a statement in order to pay what I owe. I do not feel I should be forced to pay late charges on a bill or card for that matter that I never received. Also Chase should correct the mess they made of my credit repot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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 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 2021-03-09
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I, XXXX XXXX XXXX XXXX sent LEXISNEXIS certified mail receipt on XX/XX/2021 concerning the incorrect/ inaccurate information that is/was being reporting on my consumer report. I have received a letter dated XXXX XXXX from LEXISNEXIS concerning this matter with information that has remained on my report after my dispute. LEXISNEXIS has violated my privacy and reputation pursuant to FCRA ( 15 USC 1681 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a notice from Bank of American that they will charge a fee to cash my checks at a non BofA bank. <P/>This includes their " free '' billpay service. <P/>To rephrase : If the person or company I write a check to does not have a BofA account, I will be charged a fee. <P/>This means I have to have knowledge of the banking arrangement of my payee. <P/>This is a privacy invasion and should be prohibited banking behavior.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: WLCC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Explore Credit debited {$310.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My mother and I share a joint checking account to pay her expenses through Bank of America. Account # XXXX. On XX/XX/2022 an unauthorized charge was made for {$0.00}. On XX/XX/2022 an unauthorized ACH was taken from the account for {$7000.00}. 
I reviewed the account on XX/XX/2022 and went into the XXXX XXXX XXXX Branch and filed an affidavit and complaint and froze the account. I was told that a credit would be issued no later than 10 business days for the unauthorized amount. Several days later a credit of {$0.00} was credited to the account. I then called on XX/XX/2022 ( after the 10th business day ) and was told that it was still under investigation and a credit should have been issued but wasn't due to the dollar amount involved in the complaint. 
I have not been contacted by Bank except for me contacting them. They do not seem to be doing a proper investigation into the matter. 
My mother passed away on XX/XX/2022 and the money was supposed to be used to pay her final expenses.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: MI
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 am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: Georgia Student Finance Authority
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX from XXXX graduating with a BS in Web Development and XXXX XXXX. Shortly after graduating I was notified via mail that I was a student effected by XXXX 's false advertisement by the FTC. The false advertisement that XXXX publicly admitted to. From mid 2014- present I have receive deferments and forbearance but no permanent resolution to the issue. I called GSFC/GSFA/GHEAC on numerous occasions and spoke to a person in legal that said that there was nothing that can be done about the loans. He stated he did not have adequate information, even though I sent the article that clearly states that it was a valid lawsuit and to seek further action for forgiveness. From 2014 to present the loans have accrued interest and I have had no resolution as to why my loans have not been forgiven or cancelled when the information and resolution options included in the lawsuit were provided and the documents were made public. I have made several good faith attempts to have this resolved by GSFC/GSFA/GHEAC with no resolution. The lawsuit by the FTC was resolved and XXXX admitted their guilt and GSFC/GSFA/GHEAC has caused major financial damage affecting my family and I for the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's  promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. 

We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: WA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/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 2022-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested that EXPERIAN send me a copy of my credit report by mail and they refuse to do so. I also requested that they stop reporting inaccurate information on my consumer report of two XXXX  XXXX ACCOUNTS that are inaccurate and are reporting without my written consent. This is a violation of my consumer rights and the Fair Credit Reporting Act. I demand that these accounts are removed just as XXXX removed inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to work with this company several times about reporting this account with the credit report agency XXXX and wrong information being reported about the account, that is hurting my credit report. 

I have requested the company verify the amount owed and take off the past due payments that are being reflected on my credit report and this account is charged off but it still shows 5 missed payments and a past due balance which is a violation of FCRA on a closed account. 

They have not sent me any documents to verify the amount they are reporting on this account.

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 2022-09-13
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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


Account Name - 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 m written instructions. 

Delete from 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 2021-10-29
Company: EQUIFAX, INC.
State: AK
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 complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
USAA has misrepresented balance and chraged a NSF from account. NSF serves no purpose and no action was taken from USAA, meaning this fee is a means to extort money from veterans and service members for no service rendered. I had a charge for {$30.00} on XX/XX/XXXX the balance at XXXX reflected more than the charge but a NSF was refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: IL
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 XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has cause me great XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX sent a batch check # XXXX on XX/XX/2022 for {$11000.00} of which {$1900.00} were to apply for my monthly payment. As of today nothing is apply in my account. All the times I have called or chatted they say that nothing has been registered in my account and that it is impossible for them to know if the check arrived. Also another check # XXXX was send on XX/XX/2022 and to this day nothing also.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As a senior citizen I open a Title Loan # XXXX with XXXX XXXX to pay for my wife 's emergency medical procedure. I did make all payments on time as agreed in the contract. Since XXXX of 2021, I have been trying to pay the loan, XXXX XXXX made it difficult to pay while the loan is accumulating interest at {$14.00} per day. On XX/XX/2021 I attempted to pay {$6700.00} XXXX XXXX only accept {$4000.00} and forced me to defer the remaining balance of {$29000.00} for XXXX more days while interest of {$14.00} continued. I final paid of the Loan on or about XX/XX/2021. I sent a letter to XXXX XXXX requesting a refund for over payment and was ignored. ( see attached ) Since I never received a respond, I contacted my Bank and requested to dispute {$1000.00} from the {$2900.00} paid. XXXX XXXX reinstated the loan and send me bill for {$1900.00} and I received numerous threaten phone calls from XXXX XXXX to do great badly harm to me and my family if I don't pay. ( see attached )

Company response to consumer: Closed with explanation