BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The week of XX/XX/XXXX, I received an electronic deposit of about {$33000.00} from the SBA Economic Injury Disaster Loan program ( EILP ). 

On or around XX/XX/XXXX, my debit card was declined at a gas station and then a grocery store. Upon calling Chase to report the matter, I was informed that my account had been frozen because of the SBA loan and that since the loan was for a business, I needed to provide the bank with an EIN. I explained that I am an XXXX driver, that in the state of California, XXXX drivers are classified as independent contractors, and that I operate as a sole proprietor and use my social security number for tax filings and other business purposes. However, my explanation was not accepted, and they persisted in their demand. 

I reached out to Chase Executive Office and spoke to " XXXX XXXX '' to see if they could expedite a resolution of the matter, but they never got back to me. I also went to a local branch to try to close my account, but I was told that Chase fraud/loss prevention would close the account in 10 days and mail me a check for my checking/savings balances. I subsequently called the fraud/loss prevention number myself, and they confirmed what I was told at the branch. 

However, upon calling the fraud/loss prevention number again on XX/XX/XXXX for a status update, I was told by XXXX that my account was indeed pending closure but that they would keep my money and not send a check until I provided EIN documentation even though I had already told them several times that I am a sole proprietor and that I do not have, nor am I required to have an EIN, nor required to register as a sole proprietor with my secretary of state. 

Since XX/XX/XXXX, I have been blocked from accessing my account information and funds with no formal notice of explanation from Chase, including citation of any relevant constitutional provision or legal/regulatory statute ( s ) giving them the right and authority to withhold my money. Chase even caused debits to my account to bounce including my rent payment for XXXX because of the freeze/suspension. 

Chase is in clear violation of the Expedited Funds Availability Act ( EFAA ), and I request that the Office of the Comptroller of the Currency and CFPB order Chase Bank to close my account immediately and to have my checking and savings account balances and any and all applicable interest to which I am entitled paid to me by cashiers check and available for me to pick up along with a final statement at a local Chase Bank branch as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The report is over 7 years old and should have been removed from my record. 
The report date keep changing and continually show new late payment. 
Not only the account was inaccurate and a duplicate from the start, it was never fixed. 
XXXX XXXX XXXX is unwilling to fix the issue. XXXX, the original supposed creditor did not admit their billing error, Please assist in removing this inaccurate file from my records. 
Best regards.

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 2020-12-07
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a U.S. Bank National Association ( US BANK ) Reliacard in the mail on Friday XX/XX/2020 with a credit card inside that was ready for activation. I opened up the envelop on XX/XX/2020. I never ordered or signed up for such a card. So, I called and spoke to a representative from the customer support line provided in the information and they said that the State of Colorado ordered the card for me to receive unemployment benefits. I have never lived nor worked in Colorado, so this is a bogus claim, or someone is using my identity to claim benefits that are not appropriate. 

US Bank 's " customer '' support line was useless and told me to take it up with the State of Colorado, but would not provide contact information, etc. so I can do so. 

So they will issue a credit card in my name, using my SSN, address, and phone number, but won't help resolve the issue. That is ridiculous! 

They did however cancel the card, but I have no idea how this might affect my credit rating, etc.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

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

I did not give them 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 2020-11-23
Company: Self Financial 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: Account information incorrect

Complaint:
XXXX  is reporting a self lender ( XXXX XXXX ) account late on my file which has never been paid late I've sent in the payment history and its still not being corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: MN
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 been tryibn to get these errors off of my credit profiles for a very long time with no luck. The credit bureuas are not helpful. 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 explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NY
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 would like to inform you that on XXXX/XXXX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my 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 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX XXXX $ was posted to my account from XXXX XXXX. After that time it was posted I had {$1.00} left in my Bank of America account. On XX/XX/XXXX I got an NSF for XXXX , the representative told me I didnt have enough funds in my account to cover another transaction that came out AFTER the XXXX  XXXX payment posted. On XX/XX/XXXX my {$200.00} payment to XXXX XXXX was returned. I called Bank of America 3 times and every time I called I got a different explanation. It was never the same. I called back the 4th time and made a complaint.

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 2021-04-26
Company: JPMORGAN CHASE & CO.
State: CT
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:
My husband and I had planned a trip through XXXX airlines, but due to Covid, we had to cancel. The extension originally offered from XXXX was about to expire and I needed another extension. I looked online and found the phone number for XXXX, called the number and I explained my situation. They told me that for {$75.00} for each of the two tickets, they would extend my travel funds until XX/XX/XXXX. They charged it to my Visa credit card and I received an email confirmation. On XX/XX/XXXX, I called XXXX to make a new reservation and they informed me my travel funds had expired. I explained that I had gotten an extension but they had no record of it. It turns out that the company I called had no affiliation with XXXX. They took my money and provided nothing in return. I called Visa yesterday and they originally told me " They had my back on this '' and reversed that {$150.00} charge but when I called the fraud department as they told me to today, they told me they could not reverse it because the charge was posted XX/XX/XXXX. I explained that there was no way for me to have known prior to yesterday that it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: I.C. System, 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:
On XX/XX/XXXX collection agency I C SYSTEM added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and im requesting legal action to remove this account 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 2020-12-07
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan in full on XXXX XXXX, 2020. As of XX/XX/2020 I have not received my escrow refund. I have called three times and sent a message. Each time I call I get a different reason and am told to check again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Harvard Collections, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harvard Collection Services LLC  XXXX XXXX XXXX XXXX XXXX, IL XXXX Is attempting to collect on a XXXX dollar debt that was paid in full over the phone more than four months ago. 

The money came out of my checking and went to XXXX XXXX XXXX XXXX XXXX XXXX IL. 

I hope this hasnt been hurting my credit score for four months because someone scammed me. 

The debt was on behalf of a stay at XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX I got an alert from XXXX that a Money Lion account with a balance of {$1000.00} was open. I did not open this account. I contacted Money Lion on XX/XX/XXXX and was told that the fraud dept would contact me via email within 4 business days. The rep had also sent me an email with the ticket number ( XXXX ). She also informed me that whoever opened the account also opened a checking account using my social and DOB. She also stated that the fraud dept noticed something suspicious and shut it down and no money was ever transferred, or loaned out. Since I hadn't received an email from them, I contacted them again on XX/XX/XXXX in which the rep from Money Lion put a " rush '' for them to call me. I've yet to receive a call or email and today is XX/XX/XXXX. I contacted the local police department so I could make a police report. An officer reached out to me on XX/XX/XXXX and I filed a report ( case # XXXX ) which I am still waiting to obtain a copy. Since Money Lion is yet to contact me, I feel i'm not being taken seriously and I need this deleted from my credit report. I'm really hoping that you will be able to assist me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Nelnet, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

NelNet : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX XXXX XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, NelNet, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CL Holdings LLC
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:
The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: U.S. Auto Sales Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was wrongfully repossessed in XXXX XXXX. The lien holder of the vehicle failed to fix electrical problems with the car. The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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: Problem getting your free annual credit report

Complaint:
I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2020, a collection was added to my three credit reports by National Credit Adjusters. I was not notified of this debt and was not given ample opportunity to validate the debt. However, when I noticed in on my credit report, I immediately called and paid the debt with the assumption that it would be removed from the credit reporting agencies. Even though I stated that I did not acknowledge the debt as valid, I was willing to pay so that I may regain my good credit as I didn't have any collections on my credit at all until this unexpectedly appeared. I have filed disputes with the three reporting agencies, only to have the information updated and refused to be removed. This was totally unfair in the fact that I had no knowledge of the debt and paid it as soon as I was aware of it. Had they properly contacted me by using the address listed on my credit report instead of the address listed on the debt they purchased, it would have been taken care of prior to becoming an issue on my credit report. This was unfair to do to someone who has no collections and it caused the purchase of the home I was involved in to fall through right before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax deleted all of my positive information on my credit report I have called to try and resolve the matter and I have got nothing Equifax is working with the banks to destroy people 's credit so Banks can charge higher interest and receive kickbacks I have included my credit report updated XX/XX/XXXX where it shows my old mortgage provider and my old car provider on my credit report I'm asking for method of verification on the reason why they removed them and asking for them to put them back on my credit file these accounts I have over 20 years of credit history I'm also asking for internal transcripts on the handling of my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: OK
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:
Equifax are in violation of act s 611 5 b of the fcra I have 4 inquiries on my report that is not suppose to be there XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX these are not suppose to be on my credit report and I have no hard inquiries on my other credit reports from credit bureaus but my Equifax customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation