BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Around XX/XX/XXXX I contacted Navient to get my account taken care of and gave them my XXXX  XXXX XXXX XXXX. In the meantime, I had an issue with XXXX  and changed my direct deposit and finances over to XXXX XXXX. I contacted Navient spoke with a customer service rep and provided the account and routing number and asked that XXXX be the autopay account to draft on. I signed requisite forms etc. Then on XXXX, XX/XX/25 I received multiple phone calls from Navient accusing me of not making the payment and autopay had not been moved from XXXX to XXXX. I logged into the account and shared with customer service the details of my previous conversation with Navient. She responded asking me if I had the payment? I told her yes I did and it was a human error that the last rep did not follow through on XXXX being the autopay account. After she took my payment she shared that her " system '' could not process the autopay nor the deferment recently agreed upon. She promised she would call me back at XXXX XX/XX/25 to complete the autopay and deferment. No call back and my account is still outstanding and its harrowing to communicate with Navient. The reps talk over me, they don't llisten, nor do they honor their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1- I'm current Chase Bank Credit Card Customer . I have Chase Freedom Credit Card. On XX/XX/2023, I received an Offer Via email From Chase to Apply for another one of their Credit Cards : XXXX XXXX. ( SEE ATTACHMENT # XXXX ). 
XXXX The Offer included Zero % Introductory APR for 21 months on Purchasing and Balance Transfer . Then, 20.24 % -28.99 %, thereafter, depends on credit worthiness. 
XXXX The same email included a link " Respond Now ''. When I clicked, it took me to Chase Website to sign-in and proceed with their offer. 
XXXX After signing-in, the Screen did not have any information to proceed with the offer for XXXX XXXX Credit Card XXXX But it did have two Options : A- Need Help Choosing a Credit Card? Take a Quiz, and B- If you don't see what you are looking for, Find a Card. ( SEE ATTACHMENT # 3 ). THE SCREEN DID NOT HAVE ANY INFORMATION ON HOW TO PROCEED WITH THE OFFER FOR CHASE XXXX CREDIT CARD THAT CAME IN THE EMAIL. 
XXXX When I found out that, I went back to the email and clicked on the Link for " Pricing and Terms '' and surprisingly, discover that Promotional Zero % is for 18 months which contradicting the Offer of 21 months as stated in Chase Email oXXXX XX/XX/2023. ( SEE ATTACHMENT # XXXX ). 
XXXX On XX/XX/2023, which is the expiration date for Chase Offer for the XXXX XXXX Credit Card XXXX I called Chase Customer Services and Spoke to XXXX XXXX who stated that she did not know why the link is not working and she could not explain the discrepancy between the 21 months and the 18 months. 
XXXX It is clearly obvious to me that Chase Bank is deliberately avoiding the admission of their mistake and unequivocally, decided to not honor their PRE-APPROVED WRITTEN OFFER to me of 0 % Interest for 21 months. 
XXXX THIS IS AN UNFAIR BUSINESS PRACTICE IN GENERAL AND most importantly, HURTING AND HARMING A XXXX XXXX XXXX XXXX XXXX IN PARTICULAR. 
XXXX Regardless of what has happened, Chase Bank MUST honor their own pre-approved offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Selene Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Servicer, Selene Finance ( Selene ) provided a mortgage statement dated XX/XX/2023, for my homestead property. This statement alleges a past due balance of XXXX. I am requesting that Selene produces written proof of how this total was derived ( i.e. periodic due dates and amounts, etc ). The statement also appears to reflect monthly escrow payments due in the amount of {$530.00}. In XX/XX/2023, I provided copies of property tax and homeowner 's insurance installment payments for the previous 2 years. In XX/XX/2023, I spoke with representatives at Selene and advised them of the pervasive error and reiterated that I have attempted on numerous occasions to have the accounting corrected. Although I have provided proof on multiple occasions that I pay my own homeowner 's insurance and property taxes, it is not being reflected on escrow statements and/or proofs of claim received from Selene or any of its predecessors ( XXXX, XXXX, XXXX. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an Amex gold credit card which has a welcome bonus of XXXX points after spending XXXX in the first 6 months which I already did. but I never received a welcome bonus. 

I reached out to Amex about this is they said I would not get a welcome bonus if I had another Amex. 

During the credit card application, they never sent any message or alert stating that I would not get a welcome bonus due to already having another credit card before and after I submitted my application. 

if I had known or received any kind of message about this I would never have gone and applied for the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: MS
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:
For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in 30.

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 2023-07-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
An arrangement was made to pay, because I experienced unexpected furlough. They did not want to give a payment plan and said that it would be reported and would mess up my credit for several years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number XXXXhas violated my right 15 U.S.C 1681 Section 502 A. States I have the right to privacy.

`5 U.S.C 1681 Section 604 A Section 2.It also states consumer report agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX reporting on Equifax and XXXX. 

Four different address on my credit file.

Covi forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: LEXISNEXIS
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:
Please note that Lexis Nexis has corrected the bankruptcy error on my credit report with them. XXXX and XXXX have given written notification that they both received the information from Lexis Nexis. I have submitted the supporting documentation I received from Lexis Nexis to both bureaus and both XXXX and XXXX refuse to review the documentation and update my reports. 

XXXX went on further to send written documentation that both the Federal Bankruptcy Court and Lexis Nexis confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks.

Both bureaus have stated Lexis Nexis has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: AR
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 would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ENF XXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-07-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/23 I signed a loan agreement with first citizens for equipment from XXXX XXXX XX/XX/23 I told XXXX XXXX XXXX  manager that I would like to cancel the loan he said the funds were already paid. On XX/XX/23 I sent a email to XXXX XXXX saying that XXXX would be refunding the funds and where should I send it, he replied with an email to send a ACH to XXXX XXXX and gave me the account and XXXX numbers. On XX/XX/23 XXXX haXXXXdware sent the funds and sent me a copy of the transaction I have informed XXXX XXXX of this but he said that he can not find the refund from XXXX XX/XX/23 I received a default email for my account on XX/XX/23 I paid XXXX since then I have sent numerous emails and voicemails and have not heard from XXXX XXXX. I have been informed by first citizens bank that I would still have to make my monthly payments. This money was sent to first citizens bank per their instructions and they will not accept that my loan has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: UT
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:
there is a different numerous of accounts that has violated my federally protected consumer rights to privacy and confidentiality information reported in my credit that has been affected me financially and emotionally by different creditors that i have not idea of also my personal information is not accurate and needs to be corrected asap.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-05-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.

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 explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
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:
According to my research about FCRA 605, Experian and XXXX credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX 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 Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 I made 7 transactions to the merchant XXXX for the amount of {$99.00}, {$100.00}, {$99.00}, {$4.00}, {$99.00}, {$99.00}, {$99.00} totaling {$610.00} which were later canceled and I was still charged I disputed the transaction as I was charged but no service or product was received.I provided them screenshots of the merchants website stating that the order was canceled. Proving my reasoning for the dispute that I was being charged when order was canceled and not provided to me. Then on XX/XX/2023 chime decided to close my account and are making it hard for me to get any information on the dispute and getting my money back they just reply with a generic email saying that my account is closed not giving me any updates on my dispute and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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:
Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-07-06
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation