BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
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:
My credit card account was accidently pulling from the wrong account from my credit union to the Chase Credit card ( the ACH account number was off by one number ). I didn't notice it for several months but my balance was always paid on time and without any delinquency. In XXXX, I contacted my credit union to have the funds paid from the right account and they suggested having Chase reverse the fees. Chase proceeded to tell me they would do that for me without issue. On XX/XX/2020 the amount of {$1800.00} and XX/XX/2020 {$460.00} were paid in full from the reversed charges. My balance was zero at the time from the reversed charges. 

Chase and their backend process now started having issues and an ACH stop payment from the account. Despite paying for all the charges that I had incurred from the beginning of the year, they started to rebill me for the payments that I had made. I started having returned payment fees and they would not backdate the payments that I paid in full. My credit dropped 196 points. Random charges started showing up from returned payment despite my account being paid in full. Never at anytime was Chase ever not without a payment. I've been on 6+ phone calls for an average of 30 minutes to have them correct their backend issues. Because of their back end issue now they have closed my account because of whatever reason. 

1. They ruined my credit by 200 points. 
2. They won't backdate the payments despite paying it in full and was never delinquent. 
3. I have called XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 with them continually adding fees that should never have been incurred. 
4. They have closed my credit card account now despite being in great standing with them for no reason. 

My credit card was started XX/XX/2020. As a consumer I am very frustrated with how this handled. I tried to do the right thing once I discovered the mistake. But all it turned into was a big headache.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
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: Account status incorrect

Complaint:
I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  # XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Also Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. 

This delinquent account record is inaccurate. I request that the following account be validated, or promptly removed On DEPT OF ED / XXXX Account XXXX accounts be removed because they are reporting last payments that are not accurate please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Santander Consumer USA Holdings Inc.
State: NE
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 contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be zeroed, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, 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:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: EQUIFAX, INC.
State: VA
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:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my Equifax Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - XXXX XXXX XXXX XXXX XXXX. 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX XXXX Balance from {$15000.00} to {$6500.00} and closing my XXXX XXXX Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached Equifax credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by XXXX on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a bill from AIC ( allied international credit corp ) saying that i owe XXXX  {$72.00}. i dont even shop at XXXX. please help. 

they want me to pay this bill and contact XXXX XXXX at XXXX to confirm which payment option i am going to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my credit card account with Capital One over 2 years ago. Despite that, they renewed the card and issued a new XXXX. They then proceeded to bill me and charge late fees for the new card. Hours upon hours on hold and unreturned calls from " supervisors '' failed to resolve the problem. These " fake '' renewals seems to have strong similarities with the recent XXXX XXXX scandal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/20 I tried to access my credit report from Experian. I could not access due to information that didn't match their system. I call Experian on XX/XX/20 to resolve the issue and was told that I needed to wait 24 hours and call them back. I called back today on XX/XX/20, 24 hours later just to be told that I need to wait 72 hours instead. After being transferred to a dispute department, the rep asked me for my pin, which I do not have. They said it was provided to me when I froze my credit report. Which was many months ago. I lost it and could not locate it. I was denied credit from a lending bank due to the credit score being XXXX. My other two credit scores from XXXX and XXXX  were at XXXX and XXXX. After spending hours on the phone with Experian, they said they can send me the report via email which will take 10 days. I told them that it is illegal to withhold my credit report. I could not access it online to check the discrepancy that may be on there. There is no possible way that my credit report from Experian can be XXXX points different. I could not access the report and had to beg for them to send it to me overnight. It shouldn't have cost me {$20.00} to receive my credit report. This was illegal for them not to release my credit report online. The information I provided to them on the phone matched somehow but online it did not. Please look into this and investigate this matter as this was an illegal action done by Experian. Due expeiran I was denied a loan.

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 2022-10-10
Company: EQUIFAX, INC.
State: MI
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:
The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the Equifax data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to school for XXXX XXXX my loan could have been one single loan but the broke it down in like 13 loans so intrested in all 13 loans plus laye free, and when I when back to school in XX/XX/2018 I asked the if the could hold off on some payment for school. Because of work. But no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX/XXXX REPEATEDLY ATTEMPTED TO CONTACT THEN OVER THE PAST YEARS. Im a service member that was XXXX XXXX since XX/XX/2012 They cant find my account on file in order for me to pay off the debt.

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 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX and XXXX fraudulently report XXXX, XXXX, TransUnion and NYS Attorney General. XXXX, XXXX and TransUnion continue the fraud. Please refer to attachment.

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 2022-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone transfer XXXX $ from my account to anther account I file a claim for it on Bank of America and they denied my claim its not my who transferred this amount I tried to explain that someone hacked my account but they denied my claim thats is not fair if they do their work right they will found that was a fraud.

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 2020-07-06
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the XXXX and was required to get a government travel card for travel only which was opened XX/XX/2019. The card is to be used during temporary assignments only. XX/XX/2019, Ive traveled to XXXX in which the military will deduct any payments from your pay to pay off the card. The card is only reported to the account when there is an unpaid balance. The XXXX reassured me that the card was paid off to zero balance and to ignore any letters I may received which I did. The bank citi which is the bank for the travel card waited til last month to post the account to my credit with months of pass due without posting when the debit was created. I was told plenty of times the XXXX have paid it but did not so I paid it and should be reimbursed by XXXX but due to coronavirus no one is working on base to give me a follow up on this matter. I requested that the account be removed since it was resolved and it was not my fault why the account not being paid on time by the military. I been out of the XXXX since XX/XX/2019 and I feel they forgot about the debt and allowed me to be responsible so they would not have to

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 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 cash advances

Complaint:
My accounts With my Bank of America Visa and my Bank of America MasterCard were both Hacked Money was withdrawn through my accounts deposited into my checking accounts and withdrawn these were done through cash advances that I did not make and then withdrawn from ATM machines one balance is {$13000.00} Dollars that includes interest and late fees and the Other is {$7000.00} I have notified the bank multiple times of this they Did investigation and declared that Ive benefited from this multiple Times information was put in wrong by the bank one time saying that this was Not my account that I opened another time saying that everything will be fixed and they will take care of this and they give a one time courtesy because Ive always made my my payments on time and were always current and that I never had any issues prior then I stay on the phone for hours being transferred around to different operators they were not documenting things properly I have disputed this probably about 10 times received one letter saying everything was fixed but then they come after me again. they have sent it to collections they close the accounts saying that I disputed And customer does not agree with decision I went from XXXX credit score to a XXXX I pay all my credit cards on time I do carry Balances but I make my payments on time. Then they discovered that they processed everything wrong that shouldve gone through my debit card accounts XXXX discovered this almost 2 years later thought everything was resolved and then I get a notice from an attorney that we were going to dispute in court. This is going on now for years he has been mentally affecting me And caused XXXX Im still battling it and get sick all the time I have gone to the bank its self in the customer service in the bank Its self and they have tried to help me with the credit card companies keep handling it wrong and still have not cleared the debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not know my credit was being used.

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 2023-05-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Late payment being applied after due dates. 
Bill mailed and received and payment sent out ASAP. 
not applying payment Wafting to applied late payment. 
I have had this card for well over 25 years and never have had any Late payments. 
I have been applied to 2 late payments in last months No help from card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

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 2020-03-06
Company: Bliksum, LLC
State: TX
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:
My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MD
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:
I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Information belongs to someone else

Complaint:
XXXX XXXX is showing that I owe them {$620.00} on my credit reports. I talked to them and they say I was a authorized user on this account i have never used or gave anyone permission to put me as a authorized user this is not my debt

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