BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: MI
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:
N accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
N accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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.

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 2022-06-21
Company: Navient Solutions, LLC.
State: OH
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:
On XX/XX/XXXX XXXX sent me an alert that my credit score had been updated. Navient reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. Navient said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with XXXX and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per the FCRA my consumer report needs to be 100 % accurate. 
Please see attached. Address proof attached to document. Experian 's website says if it is a minor deviation, it is okay. It is NOT OKAY, because its incorrect, its erroneous and fraud if you continue to report the inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: LA
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:
please remove fraudulent/ unauthorized collections off my report from XXXX XXXX XXXX XXXX XXXX or provide proof in writing within 30days

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX # XXXX, XX/XX/22 To whom it may concern, I closed a credit card down XXXX '' through my BOA as I was not using and it was in excellent standing and was told by BOA rep. when I asked would my credit score be effected and was told NO. A few days later XX/XX/XXXX a hit of XXXX points on my good credit score. Tried calling XXXX and after a few hours of waiting was told to call my Bank and there was nothing she could do.. Not able to even confirm that is the reason for the decreased score which is stressful and wasteful. I then called my BOA and was put through XXXX XXXX in another language that I did not understand, Please advice me as to steps I can talk and who I need to speak with, Sincerely 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Transunion has refused to unlock my online account. Requesting mail only delays corrections and correspondence.

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 2023-02-07
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I attempted to make a deposit into a usbank drive up ATM machine. The machine initially wrinkled the money and spur it back out. I then resubmitted the money. The machine then froze and stated processing transaction for about XXXX minutes. Then returned my card.but not the money. The machine then turned off tv gem reset and stated a .escape this machine unable to accept deposits. I took a picture of message. Online banking showed no history of the deposit. I tried calling the bank but was unable to reach a person and was disconnected XXXX. Tines. I then clef the fraud department and wS told there was no history of me bend at the ATM. However my GPS and phoneog can prove otherwise. I was told today my claim was denied. I know there are cameras at arms. I've been an unproblematic customer for over XXXX  years. I've filed a puce report regarding this matter also. My account is now overdrawn and I'm experiencing financial hardship due to this transaction. I don't feel that worth today 's technology there isn't a record of my transaction and footage of the issue. I was told my claim was denied but I must wait XXXX to XXXX business days for a letter to tell me why. All while I'm being charged overdraft fees and having my bills returned annd will assessed additional fees and possibly have my services disconnected. All while receiving no explanation for a large financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: Genesis FS Card Services, Inc.
State: GA
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:
I AM WRITING IN RESPONSE TO CCFPB COMPLIANT NUMBRT XXXX. I PREVIOUSLY REQUESTED THE FOLOWING AS OUTLINED BELOW CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXXXXXX XXXX XXXXXXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!! 

ON XXXX XXXX XXXX I RECEIVED A LETTER FROM GENEISIS CARD SERVICE WHICH WAS OPEN, IT ONLY HAD THE FACE LETTER IN THE ENVELOPE. THE ENVELOPE WAS OPEN AND NO OTHER DOCUMENTS WERE PRESENT,. 

THIS IS DIFFERENTLY ANOTHER SIGN AS IT RELATES THE XXXX XXXX XXXX XXXX. XXXX GA XXXX, IS BEING SABOTAGED AND THE HOA /ATTORNEY IS INTERSECTING AND OPENING OUR MAIL TO TAKE OUT THE EVIDENCE WHICH WOULD PROHIBIT THEM FROM A NON-JUDICIAL FORCLOSURE. SEE BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove fraudulent/ unauthorized collections off my report from XXXX XXXX XXXX XXXX XXXX or provide proof in writing within 30days

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 2022-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/22 - XXXX received Chase text saying account was on temporary hold. Mirroring a legitimate chase website, the link asked for login information and personal information ( social, address ) and picture to verify the account. She didnt think it was out of the ordinary because we were out of town. 

XX/XX/22 - XXXX ( XXXX husband ) Noticed two unauthorized withdrawals from joint account. {$500.00} & {$2500.00}. He called Chase to report. Later XXXX noticed her checking account had an unauthorized withdrawal of {$650.00}. Called Chase to make a report of the account activity. XXXX was Instructed to call claims the following day. 

XX/XX/22 XXXX called Chase to make a report with the claims department and visited the local Chase branch were they closed the compromised accounts and replaced all three accounts. 

Chase claims department denied the claim, stating that the transactions were authorized. 
Both XXXX and XXXX were at work at the time of the unauthorized transactions, no lost cards were lost and Im possession of XXXX. 

Made many calls to the Chase to chase claims department to receive fax numbers to send police reports. For weeks, Chase said they have not received documents. Countless trips to the Chase branch, bankers and supervisors have been helping to send documents & claims still never say they received them. Chase bank supervisor emailed the documents & claims still say they received anything. No get any updates or calls on the status of everything. After everything Chase claims still denied the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I voluntarily closed my credit cards was set up with automatic payments through my bank account. They pulled funds and said they werent there and started a XXXX month cascade of late payments. Was told by representative that when you were in program you could not incure any late payments but when I took this information to supervisor she denied this. This goes back over a year ago with making multiple calls to have them fix this to no avail.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act, XXXX  Account XXXX XXXX has violated my rights. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


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 an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2022-05-21
Company: FIRST AMERICAN MORTGAGE TRUST
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am a victim of identity theft. I have a job pay my bills and taxes I don't complain about much but this company is robbing people blind and getting away with it. They will put garnishments on your payroll from work they can care less if you starve or die. I am tired of companies like this preying on poverty stricken hard working citizens. It needs to be stopped. I will be homeless by the time anyone receives my complaint.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: Exeter Finance Corp.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Inaccurrence with The Fair Credit Reporting Act XXXX account XXXX EXETER FINANCE LLC has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
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:
Since XXXX I've repeatedly supplied Proof that JPMORGAN Chase has WILLINGLY supplied the 3 credit bureaus with falsified information about me, I'm no longer able mentally or emotionally to deal with JPMORGAN CHASE BANK OR THEIR STALKING, HACKING AND ALL OTHER METHODS OF ATTACKS AGAINST MY PERSON & PERSONAL FINANCIAL ACCOUNTS, IM STILL LOCKED OUT OF MY AMAZON ACCOUNT, BECAUSE SOMEONE REMOVED MY ACCURATE PHONE NUMBER AND REPLACED IT WITH THE NUMBER THAT JPMORGAN CHASE HAD IN MY ACCESS PORTAL TO SAID XXXX THEM, IM STARTED TO HAVE SEVERE PROBLEMS WITH FOCUS AND NORMAL DAILY ACTIVITIES DUE TO THE SHEER AMOUNT OF STRESS AND THE KNOWLEDGE THAT IM BEING KEPT HOMELESS DUE TO FALSIFIED INFORMATION ON MY CREDIT REPORT BY THEM IS JUST AGAIN TOO MYCH FOR ME TO DEAL WITH ANY LONGER, IVE ASKED YOU FOR A YEAR NOW TO HELP ME, YOU HAVE NOT DONE ANYTHING EXCEPT PASS IT OFF .... YOURE SUPPOSED TO PROTECT! HOW TF IS THIS PROTECTING ME???? IM A XXXX CITIZEN OF THE UNITED STATES OF AMERICA AND NONE OF YOU PROTECTED ME AT ALL ONCE! I NEED A PROTECTIVE ORDER AGAINST THIS BANK AND ANY CALL CENTER AGENTS THAT XXXX EMPLOY TO STAY OUT OF MY ACCOUNTS INDEFINITELY! AND SOMETHING PROHIBITING THEM FROM ANY FORM OF FURTHER ABUSE INCLUDING SENDING OUT MEMOS TO OTHER CREDITORS USING MY NAME AND DELIBERATELY HAVING SAID COMPANIES LOCK ME OUT OF ACCOUNTS I HAVE WITH THEM!!!! 
Step 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.

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 2022-11-24
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are XXXX things that need to happen here. I am XXXX and am clearly being discriminated against. Another man, XXXX, and I shared an XXXX. He left with no notice leaving me alone to resolve the closing out and cleaning which I accepted. I was told what the total was and paid it. Then I received another bill for other issues but included were repairs and charges that were false. I made the company manager aware of the excessive charges and nothing was corrected and no mention of leaking XXXX and damage which lasted over XXXX weeks. I had to move out XXXX weeks because of mold and odor. I sent XXXX Notices with details and pictures and contacted the other man sharing the apartment only to find I was the only XXXX being threatened and charged and I was in second position on the lease and only paying XXXX third of the lease payment. I have witness ', XXXX that will sign affidavits the the carpeting, sink and screen door were already needing replacement when I moved in. I required people to take off their shoes when entering from the beginning. I had to send the Notices to the collection agent as the manager would not speak to me directly. I have tried my best to do right and correct this but it has become obvious that they are taking advantage of the situation at my expense. I reported things when I moved in as a guest with XXXX right away and they didn't get fixed. It was into the XXXX week before they fixed the lead in the XXXX unit which created a mold condition. Several other charges are for things that were already in dis-repair before I moved in which was reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX of 2022, I decided to make a plan to pay off my mortgage by applying an additional {$2000.00} towards principal every month. I reached out to Chase Mortgage at least 4-5 times during the year because they were applying most of my " principal '' payments towards my regular mortgage payments. My regular payments are scheduled monthly through my bank. I was writing separate checks that specified " principal '' and the amount, which by no means could have been confused with my regular payment. Sometime in XXXX, I finally needed to escalate my calls to an Executive Director, XXXX XXXX with Chase. I literally had to explain to him how to read my monthly statement that they sent to me. He said he understood my problem and once again, they would fix it ( for the forth time ). All XXXX XXXX did, after promising to fix the problem, was to send me the print out of where my principal payments went. It has still not been resolved. How many others are they doing this to? I was on a plan to pay off this mortgage in 37 months. It's obvious they are doing everything in their power to " not '' allow me to pay this mortgage off early.

Company response to consumer: Closed with explanation