BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Regarding Chase/AARP credit card # XXXX XXXX XXXX XXXX. Primary cardholder is XXXX XXXX, XXXX with XXXX XXXX as an authorized signer. On XX/XX/XXXX we received a revised statement from Chase Bank regarding our credit card account which has been closed since XX/XX/XXXX due to fraudulent activity. The revised statement stated a new balance of {$0.00} with a minimum payment of {$0.00} with a credit of {$350.00} which because of the account being closed we could request a refund check be mailed to us. We've called once a week since then and was told the check was mailed out twice and on XX/XX/XXXX we were informed the check was cashed on XX/XX/XXXX. The only problem being we never received the check, never saw the check and certainly never cashed the check. Now we have to wait for a letter and a copy of the cancelled check and then we have to file a police report for fraud, I then have to call Chase with the police report number and maybe they will issue another refund check to us. We have had issues with Chase Bank regarding fraudulent activity for 1 year which we have been trying to resolve. I have spoken with numerous people on numerous dates about this issue, We had 7 new credit cards from Chase because every time fraudulent activity was detected, that account was closed and a new card was issued. Our last card was closed on XX/XX/XXXX and never reopened. We have had so many excuses from them I lost count. I want the {$350.00} we were promised by them and I feel is the least we are owed. The things are still not settled. They keep on saying they are mailing us stuff which we don't get, the things we are not getting are the things that are supposed to help us get our money. If I could afford a lawyer I would of gotten one months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX  Account # XXXX Open Date XX/XX/2021 Balance {$140000.00} ( 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 2021-02-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Multiple cards for XXXX XXXX charged on my account. They have done nothing. 

Starting in XXXX XXXX by BB & T 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 2019-05-31
Company: WELLS FARGO & COMPANY
State: AL
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:
On the Wells Fargo bank phone app, I accidentally used my credit card to pay for the same credit card. I don't have exact dates and amounts due to online statements. ( They later closed my accounts preventing me from defending myself in court ). But it was XX/XX/2017 this occurred. I can't believe the app allowed that. It doubled what I owed on my card to about $ 4000They refused to correct it. 

Then due to to loss of job and XXXX  XXXX I couldn't pay the minimum they wanted. They again refused to work with me. 

The they closed my card and bank accounts and got a court order to make me pay over {$7000.00} in remaining balance, fees and court costs.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX provided that 'bought ' the account is no longer in business. I need answers.

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 2020-09-12
Company: EQUIFAX, INC.
State: NJ
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:
Equifax REFUSES to remove fraudulent and unauthorized inquiries. This is against FCRA rules and regulations. False and inaccurate information MUST be removed from a persons credit file. Ive disputed several FRAUDULENT inquiries and only get a reply of inquiries are a factual record, ok, BUT NOT WHEN THEY ARE DONE FRAUDULENTLY!!!!! these inquiries NEED TO BE REMOVED IMMEDIATELY. Ive put in a new disk it e and expect these fraudulent inquiries to finally be removed. 

Dispute confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is 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 2020-09-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2020 I received an email notification from Equifax for a credit report inquiry from " XXXX XXXX XXXX  XXXX ''. This was troubling to be because I did not, nor am I even remotely interested, in applying for a vehicle loan. I do not have a car, I don't want one. Needless to say ... this inquiry WAS NOT AUTHORIZED. Furthermore, my Equifax score dropped because of this inquiry. What does XXXX XXXX want with me and vehicle loans? I don't want a vehicle loan from XXXX XXXX. Are they allowed to do this? Pull my credit report whenever they feel like it? This can't be right. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report 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 2023-02-02
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:
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, 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 explanation
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: AR
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:
WE APPLIED FOR AUTO LOAN AND FORCED XXXX  IN OUR FACE BECAUSE OF LOWER SCORING AND HIGHER RATE.

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 2018-04-26
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I do not currently have the ability to repay my loans. I have asked to have my payments lowered to a range that i can afford. I have had my loans in and out of forbearance since 2015. I can't repay the amount they want and Navient refuses to help me. Hoping i can get some help through here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. Please remove the accounts below from my file : XXXX CARD 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 2023-03-27
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/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 2018-12-31
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was doing a trade for a copy of XXXX XXXX, my end was 6 different bots + {$150.00}. 
I had paid him and then he proceeded to block my account and I couldn't message him or do anything at all. I called PayPal, and set up a dispute, but they refused to let me have my money back. I paid him pretty much for nothing. It's a scam because he blocked me and hasn't talked to me for the past couple of hours even after I gave him my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I noticed many unrecognized and unauthorized inquiries on my report. 

I have reached out to these creditors and no actions were taken as the unauthorized inquiries are still present on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: NV
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 XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Navient Solutions, LLC.
State: SC
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:
I received student loans with the understanding that my loan would be forgiven after completing 5 consecutive years of XXXX  as a highly qualified XXXX, in a XXXX XXXX XXXX, and in a needed subject area. I have completed these requirements during the last five XXXX   years. Navient fails to recognize my last year of XXXX  stating that the XXXX  in which I XXXX was not a XXXX XXXX XXXX. I have explained to Navient that the XXXX  in which I taught in the XX/XX/XXXX-XX/XX/XXXX XXXX  year was recognized as a XXXX XXXX XXXX when I signed my contract in XX/XX/XXXX. It is my understanding that a 90 day attendance count is used to determine the eligibility of a XXXX  to be considered a XXXX XXXX XXXX for the current XXXX  year. At the 90 day period, the XXXX  where I XXXX  for my fifth consecutive year was not at the XXXX XXXX XXXX level. I attempted to file my request for loan forgiveness with Navient on three separate occasions. The first two times the paper work was rejected due to clerical errors. On my third attempt, Navient informed me that my last year of XXXX did not qualify because the XXXX  was not listed on the Federal list of XXXX XXXX XXXX. I attempted to explain this to Navient loan officials to no avail. The loan is now in forbearance until this matter is settled. I feel that I have complied with the terms of the provisions of loan forgiveness as stated to me when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an offer from the XXXX XXXX division of Bank of America on XX/XX/19 which had the following for the offer terms : Fund your account with at least $ XXXXXX within 45 days of the date of this letter and maintain a qualifying balance of at least that amount or greater for 12 months from the date of the deposit. We will deposit your cash reward of $ XXXXXX within two weeks of that date. 

When I checked with my contact at XXXX XXXX on the status of my cash bonus, I was told I was to get the cash bonus in 1 year, not 2 weeks. This offer was very misleading. It should have been checked by compliance. The end of the first bullet should have been clearer with something such as We will deposit your cash reward of XXXXXX within two weeks of the 1-year anniversary of the account opening date. I agreed verbally to maintaining the required balance in the accounts for 1 year+ to earn the bonus which is different than agreeing to get the bonus in 1 year. 

XXXX XXXX had XXXXXX investigate my issue. He said there is nothing they can do about the cash bonus and gave no explanation for the wording of the offer. He said if there was something wrong with the wording, maybe compliance would change it.

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 2023-06-23
Company: EQUIFAX, 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:
I have a request from Equifax to remove unauthorized credit inquiries and they advised they can't remove them without a report. 

Please see the credit inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation