BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: JPMORGAN CHASE & CO.
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:
Hi, I filed a dispute with chase bank on XX/XX/XXXX. They sent me a letter that the dispute was resolved in my favor and the credit should appear on my next statement and online immediately. It has been over a month and nothing yet. I purchased 5 phones over the course of a few months and a screen protector. I have returned all of them and received refunds, but there is an extra charge for an item I never purchased. Chase keeps giving me the runaround when I call them. This is a XXXX charge that they are not reversing. Not sure how I can prove I never received an item I was charged for. If I never had it in possession I cant prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
HARVARD COLLECTION SERV XXXX XXXX XXXX XXXX, IL XXXX The collection agency is HARVARD COLLECTION SERV. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXXI have never made any business with this people, I have NO knowledge of this account nor I owe any State Departments any money. I have already reported this to the Credit Bureau, but apparently this company tends to do this not only did they make my credit score go down XXXX points they do this to many other people. I read all the reviews this company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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: Personal information incorrect

Complaint:
TransUnion refuses to update my physical address. This is an ongoing issue.

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 2022-01-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'VE UPDATED MY PERSONAL INFORMATION. BUT I AM STILL SEEING INCORRECT ADDRESS AND EMPLOYERS. SOME INFORMATION HAS BEEN UPDATED BUT NOT ALL.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section.

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX is continually reporting late payments on my credit file I was never late

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 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sat on the phone for 2 hours waiting for someone to assist on XXXX. No one picked up. Automated voice from XXXX said wait time 30min. 


Last week sat on hold for over an hour. No one picked up.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
You have not resolved this complaint number XXXX, instead you came to the aid of Transunion. Transunion did not answer, you closed the case before they answered. Why won't you allow them to answer instead of allowing them time to respond. They said they needed 60 days but you closed the case, why?

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 2021-12-09
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER FINANCIAL SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: CA
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  accounts CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00}. 


CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00}. 
CREDITOR / COLLECTOR : XXXX XXXX  XXXX Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$700.00} CREDITOR / COLLECTOR : XXXX XXXX  Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE XXXX {$510.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$650.00} CREDITOR / COLLECTOR : XXXX  XXXX Account Number : XXXX BALANCE : {$600.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX  Account Number : XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX  XXXX XXXX  Account Number : XXXX BALANCE : {$510.00} CREDITOR / COLLECTOR XXXX XXXX XXXX Account Number : XXXX BALANCE : {$1600.00} CREDITOR / COLLECTOR : XXXX  Account Number : XXXX BALANCE : {$670.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number : XXXX BALANCE : {$710.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX Account Number XXXX XXXX BALANCE : {$620.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$75.00} The Credit Bureaus stated my account was properly investigation but how is that possible is the open date is inaccurate, the date last active is inaccurate, and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Called Citibank in an attempt to product change to a no annual fee card, and the automated system closed my account. When prompted if I was sure if I wanted to close the account, I repeated that no, I did not, and I wanted to product change. I was eventually rerouted to a human, and got no recourse on the situation.

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 2021-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
select portfolio servicing charge me pre-pay penalty of {$6300.00} for the account number XXXX this account is paid off on XXXX XX/XX/2021 and my NOTE show I do not have any pre-pay penalty. they made the mistake at mixed up the NOTE from another loan with the subject loan. 

I was in contact with Select portfolio servicing by telephone since XX/XX/2021 to go over my loan and the NOTE at least two times a week always answer me a different person and have to go over the same conversation explaining the mistake that they did at charging me pre-pay penalty. I requested to speak with a manager but never had one available. until today XX/XX/2021 don't have any help from them. just told me the file is under review. already passed 69 days since I was asked to help me to resolve this mistake from them. 

for that reason, I am requestioning your help to resolve this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: AES/PHEAA
State: FL
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 have worked 7 years and 10 months in Public Service. Great Lakes and FedLoan are not giving me credit for this time despite them knowing I was working in Public Service on a Repaye program. They won’t even provide me all my loan documents. They advised me. I knew when I graduated my plan was to work in Public Service and they were aware and advising me. They will not give me my documents without a subpoena??? This needs to be a class action lawsuit. I don’t mind working off my loans, but public service does not pay and this program is a JOKE!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Report Number XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2021-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Hi, Hope all is well and safe. 
There's a balance transfer charge on my TD bank credit card that I dont recall having initiated- {$130.00} and then a balance transfer fee of {$5.00}. 

I contacted TD bank but they are unable to assist me, stating that the balance transfer is valid. They did not offer me any explanation. They said they investigated and found that the charge is valid. So if they did investigate, they should be able to see who the person and credit card/bank info is. 

Like it would have to be one of the credit card I have with my name and S.S # and current address info, etc. 

They reverted the charge the first time but then the charge came back on my credit card. 

Please assist! At least give me information on the balance transfer info of the person/credit card/S.S # matching mine? Maybe identity theft? 
I did not open any new credit card recently to initiate a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a small business banking customer. On XX/XX/2021, Capital One transferred {$5300.00} from my interest-bearing business savings account to my non interest-bearing business checking account without my authorization. On XX/XX/2021, I became aware of this and called customer service. I instructed them to reverse the unauthorized transfer and immediately credit my account with the lost interest income. I was told that it was a known software bug related to recurring transfers. As a result I told the representative to also cancel all recurring transfers between my savings and checking accounts. I was told that all recurring transfers had been cancelled and that the lost interest income would be credited to my account. On XX/XX/2021, I was told that my " case '' was denied and that the interest income I lost due to Capital One 's software error would not be paid to me which is in violation of my contract with the bank and is also in violation of U.S. banking laws. On XX/XX/2021, Capital One initiated a transfer of {$3800.00} from my interest-bearing business savings account to my non-interest bearing business checking account without my authorization as all account transfers had been confirmed to be cancelled during my previous call. I called customer service and was again told it was a " known software issue '' with no estimated time to correct. I attempted to cancel all recurring account transfers via the mobile app and website and received a software error " Oops! We hit a snag. '' I told the customer service representative that I wanted to cancel all recurring transfers. Knowing that that would not happen I decided to eventually transfer all funds out of my interest bearing business savings account and close the account.

Company response to consumer: Closed with monetary relief