BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit card was tied to my business checking account. In XX/XX/2013 that account was closed by Chase because my business was failing. The shut down that account and failed to notify me. I found out when I went to make a deposit. They were automatically taking the money from my account & didn't bill me. After several years of not hearing from the bank, they turned it over to a collection agency. Suddenly I am getting calls from them about an account I forgot about. They literally shut down my business and never gave me a chance to address this card & the amount owed. It has been 7 years since they stopped taking payments. This credit agency keeps updating the report in an attempt to keep the statute of limitations from running out. This is harassment, as they have not made any attempt at contacting me in several years. This account should be taken off my report at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: MA
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 XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. How can this account show the payment status of 30 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. XXXX and XXXX Credit Bureaus are also reporting this company to be the owner of the debt when they are not! The account was purchased by another lender. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history for me to review the exact date on which the late payments were posted but NO changes were made. NO investigation was conducted at all. You can validate this information by investigating the matter, please do so and remove the defamatory information they are currently reporting.

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 2017-09-11
Company: Experian Information Solutions Inc.
State: AZ
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 found 2 Hard Enquires in my credit report Esperian made by a company named XXXX onXX/XX/XXXXlocated at XXXX XXXX XXXX XXXX XXXX Az  XXXX phone XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXXlocated at XXXX XXXX XXXX XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.

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 2022-12-13
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical XXXX. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-08
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Usbank is refusing to tell me the currency exchange rate payed to usbank by the Visa corporation. The Visa corporation does all the processing for Visa debit cards issued by US Bank. The Visa corporation applies a 1 % processing fee for foreign currency u.s. Bank applies a 2 % processing fee for a total international processing fee of 3 % on foreign currency and 2 % for USD. The problem is that usbank is giving customers less on the on the exchange than they are receiving from the Visa corporation for the foreign currency exchange on all international purchases. I want usbank to provide me with the details of the ATM and debit card purchases between the dates of XX/XX/XXXX and XX/XX/XXXX. I want usbank to describe the amount paid to them by the Visa corporation and the amount that was inturn given to me by usbank for the transactions. Usbank was receiving more than they were awarding to me for the transactions that means that usbank was keeping money from my foreign transactions which means US Bank was embezzling funds from my account which means if they were embezzling funds from my account they are embezzling funds from other accounts. I want usbank to provide me with all the transaction information of my foreign transactions between the dates of XX/XX/XXXX through XX/XX/XXXX. I also want usbank to explain to me why they felt like they could keep money that did not belong to usbank. I am also requesting that usbank return all the funds to me until usbank can explain the processing errors and the exchange rates provided by the Visa corporation then provided to me and my transactions between the dates of XX/XX/XXXX through 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 explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: IL
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:
What happened the school got closed do to class action law suit. The loan debt was over fifty thousand. as well as the federal loans are part Of Navient witch is also had its suits

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

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 2023-10-12
Company: CORELOGIC INC
State: VA
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:
To whom it may concern I'm writing to seek your assistance in a pressing matter regarding my credit report. Two bankruptcy entries appeared on it, which I believe were inaccurately reported. These entries stem from XXXX XXXX, a credit reporting agency, and were shared with major credit bureaus- XXXX, XXXX, and XXXX. 

XXXX XXXX sources this information from the publicly accessible PACER ( Public Access to Court Electronic Records ) system. While the PACER disclaimer acknowledges the potential for errors, the concern here is the use of my data without the proper authority, which could infringe on 18 U.S. Code 912, resulting in legal penalties.

These actions not only appear to breach federal laws but also my rights as a U.S. citizen. I request your help to prompt XXXX XXXX to remove these inaccurate bankruptcy records from my credit report within the legally mandated 30-day window. I also insist on an updated credit report after the matter is resolved. 

Additionally, I believe XXXX XXXX XXXX have violated two more laws : the Social Security Act ( 42 U.S.C. 405 ( c ) ( 2 ) ( C ) ( i ) ) and Virginia Code 18.2-186.3, which concern the use and disclosure of SSNs without proper consent. 

Considering the gravity of these concerns, I implore the Consumer Financial Protection Bureau to step in and facilitate the removal of these erroneous entries. Your prompt attention to this matter is greatly appreciated. 

Sincerely, 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
2 accounts XXXX XXXX, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so XXXX no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under XXXX XXXX code XXXX ( b ) and these accounts are in violation.

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 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, Our family was on a summer vacation in XXXX when my credit card ( American Express ) was hacked and charged {$990.00} twice on XX/XX/XXXX. Because both transactions were completed outside of the United States, American Express charged an additional {$26.00} twice. I did not authorize or use my credit card for a total of {$2000.00}. I've been in constant contact with Amex to get this resolved, but they're just giving me the runaround. We have made at least seven phone calls and chatted with customer service, but all of our efforts have been in vain. All calls are redirected to some foreign location and they just don't care about our problem. They are repeatedly closing our complaints based on false information and claiming that we asked them to do so. 

Please assist!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: Cajie LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage broker do a hard pull on my credit report without my consent! 

XXXX XXXX Senior Mortgage Loan Originator Transaction Coordinator - XXXX Team XXXX Office : XXXX ext XXXX Cell : XXXX NMLS XXXX When confronting her she tried to blame me and then had her file paperwork about incorrect credit pull she claims she did and said 30-90 days. Its been almost 120 and nothing has been done

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 2021-09-24
Company: Experian Information Solutions Inc.
State: MA
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 XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm 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 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I accidentally mailed a {$720.00} check that was made payable to my babysitter to Capital One. On XX/XX/22, Capital One cashed {$720.00} check, which caused my bank account to be overdrawn and for me to incur overdraft fees, as well as some late fees on other bills. 

Upon, realizing they check that was not made payable to Capital One had been cash by Capital one, I called their customer service to address the issue. Explained the issue to one agent, she didnt understand the situation and kept thinking that I had made the check out to Capital One but had wrote the wrong amount. When I finally got her to understand the situation she said all they could do was refund me the {$720.00}, but that it would take between 10 to 15 days to process and mail me refund check. While I was on the phone with the agent, we had to call the bank that just purchased my bank to confirm that the check had actually been cashed. When it was confirmed, she again told me that all she could do was give me the refund. I spent 45 minutes on the phone with her, then she transferred me to another agent and told me that he would know about the situation. 

When I got the the 2nd agent, he didn't have a cool as to why I was calling or anything about my situation, and did the same thing as the 1st agent. So, I had to explain it all again, and he told me all that could be done was they could refund me and it would take 10 to 15 days to process before they would maile me a check. When I told him I had already spoken to an agent about this, he said " Okay, have a nice day '' then hung up. 

When I called back I talked to a 3rd agent, explained the situation and they quickly transferred me to a 4th agent, named XXXX. I explained the situation to him, he told me that Capital One would refund me the money but that it would take about 20 days before I would get my money. Irritated I said okay, and then asked waht Capital One would do to help with the overdraft fees and late fees I incurred since they had cashed the check that wasn't made out to them. He said that the company wiuld do nothing, but he would give me a {$25.00} credit on my Capital One account for my trouble. I asked if there was nothing better that he could do, he said no. I asked if I could speak to a manager or someone high up the chain of command, he said he was as high as I could go. I asked if he could give me the company legal department 's number, he said that they don't have a number. XXXX asked again if there was nothing better than a {$25.00} credit and if I could get the number to legal, he said " No, and if there is nothing else have a nice day. '' So, I hung up the phone. 

I just don't understand how Capital One cna cash a check that wasn't made payable to them, then make me wait around XXXX to 20 days to get my money back and all they can do is give me a {$25.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Asset Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX has taken control of this debt. Their number is XXXX. I am not working but I am trying to settle so it wont accumulate to more. I am trying to settle. I am trying to pay on it or make a payment and they refuse to listen to me or negotiate or help the situation. I keep getting told No its not enough I have to pay the whole amount. They are not trying to work with me. I am unable to get more credit because of this tarnish, I need more negotiation rights. I need help with them negotiating with me and listening to me. The representative is Not helping.She just keeps calling but not to help! It came on my credit report XX/XX/XXXX. Im trying to resolve, it by the end of XX/XX/XXXX, but there is no resolve, Agent keeps saying No to everything. Now we are in XXXX. I want to pay a reasonable amount and receive a letter stating its clear and removed from report. I want to pay the debt but Im not working so I dont have all the money, I have some and the agent refuses to take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: U.S. BANCORP
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/, a replacement cell phone claim was filed with XXXX. XXXX failed to process the claim in a timely manner per their contract, causing undue delay and costs to our business when the replacement phone arrived five days later. I filed a claim with Elon financial to dispute the {$99.00} charge associated with the service. Elan financial denied the claim on the basis that I received the replacement cell phone. The basis, for the dispute was never that I did not receive the services. The basis for the dispute was that the products and services were not processed in a timely fashion according to the contract provided by XXXX. I requested an updated letter from Elan financial that corrected their mistake and correctly identified the basis for the claim. They refuse to provide the corrected letter. 
Elon financial also provided the documentation by the vendor ( Asurion ) in which their own contract guaranteed the replacement of the phone within XXXX hours. 
On several calls with Elan financial dispute resolution claim department, the contractual obligation in the documentation provided by XXXX was reviewed, and these facts in the legal docs were pointed out to them, but they still refused to enforce their terms of conditions - specifically use of the credit card ensures that the user will be guaranteed that the vendors will charge a fee only if and when they abide by the terms of their contract. In this case, XXXX failed to do that, and Elan financial refused to provide the corrected letter, describing the basis for the refusal. They also refused to honor their assurances and guarantees two card holders that they would receive services and products as described.

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BANK OF AMERICA XXXX XX/XX/XXXX {$8000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00}

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