BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Disputed a charge to XXXX XXXX XXXX  with Chase Bank on XXXX XXXX, 2020, in the amount of {$2200.00}, for items not received. Chase asked for a letter from a Third Party, which we obtained two letters. 

Chase initially provided a credit then reversed the credit on XXXX XXXX, then reversed the credit on {$2200.00}.

The explanation we get from Chase is different every time we call! In the meantime, we have to spend over {$3000.00} with another vendor as we can not get XXXX XXXX XXXX on the phone, to return any phone calls, nothing! 

We paid with our Chase Visa Debit card thinking we had some sort of protection, especially since they charge the vendor/merchant a fee to process the card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
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 filed a FTC theft report because I found fraudulant account on my report and nobody will help me get them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: DISCOVER BANK
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid {$1000.00} towards my auto loan on XX/XX/XXXX. I then contacted TD Auto Finance on XX/XX/XXXX to make certain this would not affect my next scheduled Auto draft payment on XX/XX/XXXX. I was told by the representative that because I had overpaid, the next payment would not draft as scheduled. I then requested that the extra amount I had paid on XX/XX/XXXX be applied to principal so that the payment of {$400.00} due on XX/XX/XXXX would draft as scheduled, and the representative said he would take care of that. My payment never drafted, and upon calling the automated system it also appears that my extra payment was never applied to the principal. This is also in addition to all of my contact information being entered incorrectly when I opened the account. I had called in XX/XX/XXXX because I had not received a statement since XX/XX/XXXX, and found out all of my contact information was incorrect, and that I had been in arrears with no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Navient Solutions, LLC.
State: MD
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:
My sons student loans were done via sallie Mae/federal student loans site. At some point they were transferred to Navient for servicing. I have recently noticed that they are listed as private loans and not federal loans. We never applied or dealt with any banks, credit unions or other financial institutions.I have no idea when or how this happened but I did not understand the significance of the loan type until recently. My son was approved for covid forbearance ; however, the latest extension applies only to federal loans. We would like his loan type corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # UPABUPXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to correct this issue for several years now. It is My understanding that the reason I have never had a credit score is due to the information that was reported at some point in time by an unknown source, to the Credit bureaus, stating I am deceased. Unfortunately I have no information that pertains to this matter, leaving me without a score even though I have 1 unknown delinquent account that for whatever reason I am not able to get corrected by Experian, as I have disputed this twice now and both times Experian provided no resolution or anything other than I can no longer dispute it after 2 attempts. I have 1 credit card that is my husband 's account with me as authorized user in order to generate history and a score. No score is negatively affecting me and being deceased is the only option left. However it does not show me who or how to fix. Please help

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 2023-07-13
Company: Experian Information Solutions Inc.
State: WA
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Friday XX/XX/XXXX I paid two bills from my Bank of America account ending in XXXX. At the end of the same day one of them had cleared my payment and the other on the next day. I have emails proving this yet my bank ledger did not reflect these changes. On Monday my account became overdrawn and I was charged for 3 different charges when there should have only been one.

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 2019-02-10
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a vehicle loan from navy federal credit union and after I got the loan all my payments were made on time but then I got a letter from navy federal credit union stating that the title was in my name without a lien holder which I didn't know, so then they started threatening to change the loan to a signature loan and raise the payments if I didn't sign the title and send it to them, so being in good faith I signed the title and mailed it back and they raised my payments anyways from XXXX to XXXX which is not the agreed upon amount that I signed and agreed too. I went as far as to tell them to come and get their property numerous times and in return they told me no they won't come and get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX date disbursed repayment start/ deferment end date XX/XX/XXXX principal balance {$3500.00} payment amount {$37.00} due day on XX/XX/XXXX XX/XX/XXXX principal balance {$6200.00} payment amount {$67.00} due day total current payment due monthly {$100.00} estimated to to be repaid unpaid principal balance {$9700.00} accrued unpaid interest to be capitalized {$98.00} interested payable {$2600.00} total amount to be repaid {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : Mortgage paid in full XX/XX/XXXX : First contact requesting company file satisfaction of mortgage/lien release sent to XXXX [ auto reply referred back to customer service ] XX/XX/XXXX : Followed up with Loancare : " The agent I talked to said that it looks like they're trying to expedite the paperwork and I should check back in 5 to 7 business days. So maybe next week. '' XX/XX/XXXX : Followed up with Loancare. " It doesn't look like it's been sent yet, they have 120 days, they'll try to expedite it, call back in 5 to 7 days. Their 120 days is up on XX/XX/XXXX, if I'm calculating correctly. '' XX/XX/XXXX : Followed up with Loancare. " The agent I talked to today said that they're putting in requests to expedite and those are then being closed because they're not expediting anything due to COVID. She said it usually takes 90 days, which puts us into the second week of XXXX. I said that the others had said 120 days and she admitted it can take up to 120, but it's usually done in 90. And she doesn't know why it takes that long - just that it does. '' XX/XX/XXXX : Followed up with Loancare : " The agent talked to said that the documents were sent in XXXX, but that there was no copy of the document that I could access through their online system and she didnt have a specific date on when it was sent or tracking information or anything. So Im a little concerned that it was not actually filed and she was looking at the wrong thing. '' XX/XX/XXXX : Followed up with Loancare : " I just talked to Loancare again and the person I talked to THIS time said that the document actually has NOT been mailed and the request is being processed and should be released by Friday ( XX/XX/XXXX ). She said that a physical letter is sent to the county and shed put in a request to have a copy e-mailed to me when its released. '' XX/XX/XXXX : Followed up with Loancare : " They said that the lien release was sent to the county electronically on XX/XX/XXXX. '' XX/XX/XXXX : Followed up with county - paperwork has not yet been received. Followed up with Loancare, " they  confirmed that the notes in our account say it was emailed on the XXXX -- I asked if the Loancare agent if e-mailed meant that it was submitted electronically and she put me back on hold. Then she came back and said she *thinks* they were actually physically mailed and theyd e-mail a copy to me as soon as they have it in the system and to call back if I dont have the e-mail by XX/XX/XXXX. '' XX/XX/XXXX : Followed up with Loancare. There is no tracking or proof that the documentation was sent. Agent offered to have a senior manager in the lien release department call me. 6 hours have passed and no phone call has been received.

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 2023-06-13
Company: EQUIFAX, 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:
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. 

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CUSTOMERS BANCORP, INC
State: CA
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 authorized a {$100.00} charge on a recorded line to XXXX  XXXX  XXXX  ( XXXX ) XXXX XXXX not only did they charge me {$150.00} as opposed to what I agreed to but refused to provide a refund when they were not capable of providing a service in the time that I needed and that originally said that they could fulfill resulting in me going with another company. I contacted customers bank for my XXXX  XXXX account that was charged. They have not gotten back to me regarding my dispute and I can't speak with a supervisor as my calls seem to always end up disconnected. I would like to be refunded my {$150.00} from 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 2023-06-13
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 patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iv requested with several certified letters to validate the debt. this debt still remains on my credit report. I'm requesting validation of the debt and a copy of my HIPPA compliance form.. i paid them on payments over phone and scheduled. I requested relief under COVID due to my unemployment issues, and receiving unemployment, receiving and currently receiving XXXX Under the fair credit act, A Summary of Your Rights Under the Fair Credit Reporting Act Iam entitled to a free file disclosure if : Iam on public assistance ; and have been on unemployment, i requested removal of these items during these times of assistance and continue to request the closure, i'm currently homeless in a financial burden and life crises at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations XXXX XXXX XXXX XXXX  {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-10-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I closed my account with comenity bank but they keep harassing me and calling me at least 5-10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to obtain a true copy original showing that a debt originally owed to XXXX XXXX XXXX was legitimately sold. That has not taken place even though I did request full documentation at least six times. However, in spite of that non-result, I am open to a settlement offer that can be mailed or emailed to me, and I will follow up with a call to negotiate the matter and settle it once and for all. My contact number will is attached to this complaint. I have never been mailed a reasonable settlement offer.

Company response to consumer: Closed with non-monetary relief