BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2017-02-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
chase has yet to get back to me on my complaint : XXXX chg XXXX hello fresh, again on XXXX XXXX and nsf fee to be cr XXXX resulting this fee because of hellofresh unatuh purchase both times they were informed not to deliver. 


XXXX cr on tax act as my tax return was not complete to be process. 

If they can process these crs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian Credit Reporting Company allowed : 1. Allowed XXXX XXXX XXXX to grant credit against my SSN. ( " hard '' inquiry, made to my credit history using my SSN, with " Fraud Alert '' in effect since XX/XX/2010 ) 2. XXXX XXXX, allowed an individual, to open an cell account of {$1800.00}. This person ( XXXX XXXX, of XXXX, Illinois ) has not paid this bill and XXXX sent this bill for collection. ( XXXX XXXX, XXXX, Illinois ) Under my SSN, this account was never opened by me. 3. Experian Credit Reporting Company kept XXXX ( XXXX ) credit histories, for me under XXXX SSN 's whiched caused my credit ratings to fall XXXX ; XXXX-XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers : XXXX XXXXXXXX By reporting these inaccuracies XXXX you are in violation of 15 USC 1681B ( A ) ( 2 ) XXXX for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Early XXXX Received an UNSOLICITED credit card in the mail- XXXX rewards XXXX thru Chase Bank XXXX Never applied or requested information about this card. 
XXXX XXXX Received statement with balance of XXXX. Charge is for card services not purchases. No purchases had been made. 
XXXX Called to inquire about charges and how account was opened- card was activated during that call not intentionally. Called customer service- explained situation. Advised to go through dispute department. Request account closed asked to remove charges and sent letter. 
XXXX Received letter saying account is closed but I am still obligated to pay balance of XXXX. 
Now late fees and interest are being assessed - current balance is {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Account information incorrect

Complaint:
On XX/XX/2022 I leased a vehicle from XXXX XXXX in XXXX, FL which used XXXX XXXX XXXXXXXX as their leasing company XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX appears to be engaged in unfair / inaccurate credit reporting practices. They are using the wrong balance ( the total value of the leased vehicle as my balance ) on credit report and reporting the type of loan as a mortgage not an auto lease. This is a 39 month lease at {$290.00} per month. Total balance is {$11000.00}. They are reporting a balance of {$26000.00} on my credit report. This is deceptive and inaccurate information. I've tried to talk to tell about this and they said there is nothing they can do. This is just the way they do business. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
my name is XXXX XXXX, my mother XXXX XXXX died a few years ago, I am her only child. she had no executive of estate on file, before she died my mother gave me the power of attorney, iwas able to take care of all of her affairswhile she was living, then my grandmother died and left a bank account to my mother who was living, she told me that she did not need the money, because had plenty of own money, so she put the money in chase bank in new York.since I do not have the poa any more and there is no executive of estate there, what should I do to go to chase bank with the papers to file for probate action to get the money or get a lawyer and file in probate court with my lawyer for the money.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I have ACH debits pending for my business savings account that are posting today. When I tried to transfer funds from my business checking to my business savings, Chase would not allow me to transfer the money to cover the debits, even though I had more than enough available funds in my checking account to cover the transfer. When I called customer service, they instructed me to go into the branch and physically withdraw cash from my checking and deposit it into my savings. I had to take off of work to go to the bank and was still unable to initially withdraw the funds from my checking account in this manner. I was told that since I have Overdraft Protection, Chase 's system put a hold on the funds and would n't enable me to initiate the transfer. After nearly an hour, the customer service rep in the branch finally removed Overdraft Protection from my account and was then able to make the transfer. Chase prohibited me from transferring the funds to cover my pending ACH withdrawals on the day that debits were posting and had I not gone into the bank, I would have been hit with a series of Overdraft Protection Fees through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I tried to make payments that I could afford but was told that if I did n't make the full {$1600.00}, payment per month, that my payments would not be accepted or count towards my loans. I was encouraged to take a forbearance, continually and not told about payment sensitive options. I work in XXXX, so my salary is low but was not told that my loans could be forgiven because of my field. My loans have quadrupled since I left school and I have no way of ever paying the actual loans off, even with XXXX additional jobs. I want to make payments but I need a lower more affordable amount, less than a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX advertised on their website that if I apply for credit card called Mileage Plus Explorer/ Chase credit card and spend {$1000.00} within three months I will get {$50.00} statement credit and promotional XXXX miles in my XXXX XXXX frequent flyer mileage account. I applied for card and have received it since XX/XX/XXXX. I have already have spend over {$1000.00} using that credit card account. so I contacted Chase Manhattan Bank if I would be getting my statement credit and promotional miles. Representative replied I would not get either miles nor statement credit. I need Chase Manhattan Bank to provide {$50.00} statement credit and promotional miles in my frequent flyer mileage account at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Transaction issue

Complaint:
My accountant and I just completed an audit of my XXXX Chase XXXX Mileage Plus Visa cards for 2014 and found a duplicate XXXX XXXX ( XXXX ) charge that occurred on XX/XX/XXXX that posted to the account on XX/XX/XXXX. The error cost us {$1900.00}. We were dismayed when we found it and do n't understand why Chase does not pay closer attention to it customer 's statements before billing us with grave mistakes from their vendor branded cards!?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the following account on my credit report ; I sent Experian letters which I received from the creditors which shows that the account are being reported in correctly. The letter also states that the accounts should be deleted, and or updated to reflect no late payments and etc. I have disputed this with Experian who fail to perform a proper investigation into the matter. They also have failed to removed the accounts from my reports, even after the creditors have requested it all be deleted or updated to reflect no late payments or past due. Please help me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

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 non-monetary relief