BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase Bank has mishandled and ignored evidence related to a fraud investigation related to a fraudulent charge under my name on XX/XX/2021. 

I provided proof that this was a case of identity theft. The purchaser of the ticket WENT ON on the flight from XXXX to XXXX. Chase has ignored this point and did not address it at all when I provided evidence I could not have been on that flight since I was in XXXX  for the entire duration of that day. 

Chase alleges that since the booking occurred with my address and phone number that I made the purchase and completely ignored the fact that the person went on the flight when I could not. Whoever has the means to steal my credit card information would easily have knowledge of my name, address and email ( e.g., any purchase anybody makes online needs to provide all of this information ). 


Timeline of events : Around XX/XX/2021, I received a text message from Chase on my mobile phone device indicating that suspicious activity had occurred with one of my credit cards. Chase asked me if I had authorized a purchase from XXXX XXXX and I indicated that I did NOT authorize those charges. When I logged into my online account, I saw a charge for {$1700.00} and some additional charges related to on-flight Wifi purchases. Chase was able to cancel the wifi purchase which was only pending at the time. I called Chase to confirm with them verbally that I did not authorize those charges. Representatives at Chase said they would give a credit for the {$1700.00} charge and that I would not be responsible for it. They deactivated my credit card and sent me a new one in the mail. Around XX/XX/2021 over the weekend, I noticed that the charge for {$1700.00} was posted XX/XX/2021. 

When I called XXXX XXXX, they were able to confirm someone used my credit card and my name to purchase a business class ticket from XXXX to XXXX on XX/XX/2021. According to XXXX XXXX, the person who went on the flight had my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a call from my credit card company today to alert me that someone has tried to open a new credit card account in my name and the inquiry is a hard inquiry on my credit report that was not my doing. I did not open the account. Someone else has stolen my identity.

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 2021-10-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My previous student loan servicer was FedLoan Servicing. They transitioned my account to a new servicer, XXXX in XX/XX/XXXX. A payment was made by my XXXX company XXXX to FedLoan right after the loan was transferred. The loan was transferred on or around XX/XX/XXXX and the payment was made to FedLoan on XX/XX/XXXX for {$700.00}. FedLoan is saying they can't help me since my account is not with them and they have not transferred the payment to my new servicer XXXX nor have they returned the payment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax had a breach. Why should I have to put my sensitive information out there to get monitoring. It was not my fault it was Equifaxes. They should automatically monitor the accounts affected without the consumers doing anything to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: SC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-02-19
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper reported our mortgage 30 days late on my Wife 's credit report. We have had auto pay set up with Mr. Cooper ever since they acquired the servicing rights. In XXXX of XXXX we had the auto draft set up to come out the XXXX of XX/XX/XXXX. Mr. Cooper per the records provided didn't draw the account the XXXX which was a Friday or the XXXX which is a Monday. Mr. Cooper didn't draw the account on the XXXX XXXX or XXXX. Mr. Cooper drew our account 2 days later on XX/XX/XXXX $ XXXX at which time I transferred {$1000.00} from our XXXX savings account and my Wife was also getting paid {$2400.00} on XX/XX/XXXX and was posted the same day. The available balance was {$1700.00} on XX/XX/XXXX. That same day the Mr. Cooper payment was returned in the amount of {$1200.00} denoted as simply " credit '' on our online bank statement. XXXX XXXX record show the payment was made and returned on the XXXX which is not the case. Per our personal balancing we had the {$1200.00} in the account the whole time. Once we got past the holidays and after XXXX XXXX XXXX we checked the mortgage account and it said that the account was still past due for XXXX 's payment. Upon closer investigation realized the mortgage was credited back to us and paid both XXXX and XXXX 's payments on XX/XX/XXXX but did not post until Monday XX/XX/XXXX. We called Mr. Cooper during business hours XX/XX/XXXX to find out that they had already reported our mortgage as 30 days late to all 3 bureaus. I asked if they tried to contact me about the matter before reporting the 30 day late and they had not tried to reach out to me in writing or verbally. They never tried to draw on the account again either. I asked them to investigate the matter and get back to me and the representative exclaimed they would get back to me in writting in the next 30 days. Today is XX/XX/XXXX and I still have not received any communication in regards to the matter. I have all the statements showing the exact flow of funds and don't see how my wife is going to have a 30 day mortgage late when they were paid once which they didn't draw until XX/XX/XXXX which was supposed to go out on the XXXX or XXXX, credited the money back to us for whatever reason, and then 20 days later once the error was discovered by us paid again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
1. On or about XX/XX/XXXX Sallie Mae Bank agreed for the loan mentioned above ( amount {$10000.00} ) and decided an interest rate of 10.875 %. This violates the Mass Gen Law Chapter 93A, Section 9 in terms of charging a consumer higher rates than the market, published or advertised price. 
2. On or about the last week of XX/XX/XXXX, we contacted Sallie Mae where the balance of the loan went up to about {$16000.00}, and we suggested to pay the whole balance in four payments over 4 years, each payment {$4000.00}, starting from the beginning of XX/XX/XXXX, and to stop or freeze the interest, and they agreed. However, when we checked the balance in XX/XX/XXXX, we found an additional interest of about {$1400.00}. When we contacted the manager, Mrs. XXXX, on XX/XX/XXXX, she said that these agents, who agreed for this, are the third party and we dont consider their statements. This violates the Consumer Protection Law since the business does not meet its warranty agreement. 
3. In all times Sallie Mae fails to tell us relevant information regarding this loan ; and we never received any letter concerning the status of the loan ; even after contacting Mrs. XXXX when she said that she is going to send a letter with all the information. This action violates the Consumer Protection Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from 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 2022-05-22
Company: Armed Forces Loans of Nevada Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, Armed Forces Loans said it would remove and expunge an account that is showing my credit report as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: GA
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:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report ( 1 ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681ml ; or a communication described in subsection ( o ) or ( x ).

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 2022-09-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. This account is inaccurate because under 15 usc1666 of the Fair Credit Billing Act a creditor can not restrict or close an account when the obligor has indicated that there is a billing error. I sent this company a notice of a billing error and they continued to close my account. They are not supposed close the account because of a failure to pay. Therefore, this account is inaccurate and needs to be deleted. 
XXXX XXXXXXXX Account Number : XXXX Remove this inaccurate account from my credit report They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 non-monetary relief
Consumer complaint received 2020-02-19
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2008 debt. amount total according to them in XXXX they have garnished XXXX. I was never served, I have called and asked to provide me information that i had been. the amount of this bill was a little over 1 thousand with interest from 2008 it is now over 4 thousand. The only reason i knew i was being garnished was my employer sent me the information. 

The creditor is XXXX XXXX XXXX XXXX XXXX Audit and Adjustment company XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently opened a account with cash app, to receive money from my son to put in my bank. It ended up paying but twice so I sent one back and it took it out twice. I ended up with a XXXX bal. I tried to get the thier customer service to help but they don't. On the XXXX of XXXX. I tried to put the balance in my bank. Thier site is very confusing I put send XXXX to my bank. Within mins it sent to someone called XXXX I request the money back with in minutes. Talked to customer service viva Chat and also on the phone. Basically they said too bad. I could call the person. No number, or email address. I don't know this person sent requests to them yesterday and today for my money back. I have XXXX for years you have to have persons name and email to send money. If it isn't a business. XXXX XXXXl with dispute the transaction with the other party. When you call cash app you get a recording. They will call back could take hours. Also the time sent on my receipt was hours before I sent it. This company takes no responsibility in anything. How can I get my money back they chose the name from my bank. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( Late Payment Lending Point Account # : XXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXXXXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection Charge OFF ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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