BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been having difficulties with Navient for years. They were becoming a nuisance with incessant phone calls, so I wrote them a lettter to cease and desist. They then informed me that they would refuse to contact me in any form. I NEVER said that they could not contact me via email, or postal mail. I have reason to believe that the loan has been paid in full, but I can not verify so because of Navient 's steadfast refusal to communicate with me. I have not received any correspondence stating that the loan has been paid in full, if any overages have been refunded, or if XXXX/XXXX/XXXX has been notified of the account being closed. Navient is grossly out of control in it 's customer service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: MA
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 XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2017-06-21
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
This is an Alert to help you manage your credit card account ending in XXXX. As you requested, we are notifying you of an online, phone or mail order charge. A charge of ( $ USD ) XXXX was authorized at XXXX XXXX XXXX ... on XX/XX/2017 XXXX XXXX EDT. Do not reply to this Alert. If you have questions, please call the number on the back of your credit card, or send a secure message from your Inbox on www.Chase.com To see all of the Alerts available to you, or to manage your Alert settings, please log on to www.Chase.com. I received 2 of these alerts that these charges had been allowed to go through. I have been compromised several times and they said I was on high alert and that unusual activity would prompt an inquiry from Chase. For example ... I called and gave them notice that I would be putting a large amount to pay my construction contractor and they put me through a rigorous security check before approval. However,,, the security seems to have lapsed for these 2 fraudulent transactions which they did not subject to scrutiny at all! I feel they were negligent and derelict in their duty especially since my account is supposed to be on some kind of high alert status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Name : XXXX  Date : XX/XX/XXXX ; XX/XX/XXXX Name XXXX XXXX XXXX Date : XX/XX/XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

Name : XXXX  Credit Date : XX/XX/XXXX. 

Name : XXXX XXXX Date : XX/XX/XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.

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 2021-09-24
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Optio Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a letter from Optio regarding a debt they are trying o collect. I requested " 1 ) a copy of my original contract with my original signature for the debt 2 ) The name and address of the original creditor 3 ) My full payment history from the original creditor 4 ) proof that Optio now owns or has been assigned o collect the debt. '' on the same day and mailed via certified mail, and per USPS, Optio received my letter on XX/XX/2022. Instead of providing the requested information, Optio kept asking for debt o be paid. Optio failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
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 Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 JPMCB Auto/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX and used my consumer law that's it illegal & demanded to remove off my credit report and they refuse so now I'm taking this matter to XXXX  & Attorney General. I have 18 unauthorized inquiries listed on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Santander Consumer USA Holdings 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( SANTANDER CONSUMER USA ) is reporting on my personal credit file with XXXX, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PIN was the same as my gate code at my home, which is how someone figured it out. Someone came into my house while I wasnt home and stole my computers, wallet, and phone, which was how they were able to sign in and out of my account. My computer and phone have since been recovered but not my wallet. 
XXXX Transactions : -XX/XX/2018 - Payment to XXXX XXXX MA, XXXX XXXX XXXX, XXXX , FL , US - $  XXXX -XX/XX/2018 - Authorization to XXXX XXXX, XXXX XXXX, XXXX LA, FL , US - $ XXXX -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$280.00} -XX/XX/2018 - Debit card ATM withdrawal XXXX - {$300.00} -XX/XX/2018- Debit card ATM withdrawal {$300.00} __________________________________________________________________ Paypal denied  my claim for a refund to due the following : Once the funds were in the account, the PayPal Debit MasterCard and the Personal Identification Number ( PIN ) were used to access the funds. This indicates the card user had knowledge of funds entering the account, as well as personal information needed to access the money. Finally, there appears to be consistent login activity in the account while the disputed activity took place. Despite this consistent account activity, PayPal was not notified of potential compromised card use until the present. This indicates the account holder had knowledge of the spending activity on the PayPal Debit MasterCard and authorized its use. Based on the reasons stated above, we have concluded the disputed activity to be valid. As such, we have decided to close our investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: TX
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:
I am in the process of trying to buy a home, and can not move forward because my mortgage loan company claims they can not pull my Equifax credit report. I have called Equifax to ask if any locks or freezes on my report could be lifted, and was told by Equifax that I would need to send in documents ( social security card and driver 's license ) to verify my identity. I faxed these documents and a cover letter with instructions to update my information on file and remove any credit freezes, and was told that I have no file on record with Equifax at all. I find this very hard to believe because I've had an established credit history for at least 4 years now, and the other two credit reporting bureaus have not presented any issues. Equifax has not given me any information on how to get my credit report from them, or make the report available to others, and has jeopardized the home I am in the process of buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

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 2022-03-11
Company: SUNCOAST CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing a complaint against Suncoast Credit Union for an account that was closed in XXXX and a debt that was charged off in XXXX. 
I was told that this account was closed and charged off. I didnt know until XXXX that Suncoast has continued to charge fees on the closed/ charged off account since XXXX. 
In XXXX I hired a company and paid them monthly to help clear up all of my debt. The company I hired came across this debt and the continuing charges. They sent numerous disputes and tried to find out how and why this account was inactive and written off but still being charged monthly fees. They ask for the charges to stop and account to be removed from my credit.There wasnt any notifications of the fees and the fee charges fluctuated different amounts from month yo month. There was only a response of disagreement but charges continue to grow. The company suggested I file a complaint since I had no knowledge of this and I believed that once closed and charged off that would be final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I, have sent a notice of dispute on the validity of alleged debt to Equifax. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. My current credit report is proof that Equifax is still presently reporting incorrect information during this dispute process. This is a direct violation of 15 U.S.Code 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-19
Company: JPMORGAN CHASE & CO.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
The no show policy was not honored by XXXX and I disputed the purchase. 
Chase has sided with the XXXX and closed the dispute and charged me full amount. 
According to the terms of purchase ( which I am going to attach see circled content ), no show at the hotel would result in only the first day 's charge. But I was charged for all the days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc is trying collect service fees for telecheck services fees when I have not issued a check for the the last month or the period they were trying to insist I used their services. I called them but they dont want to give any information unless I give my address. I told them they wrote and sent me a letter to my address so I dont want to give anymore confidential information that are not needed. If they are truly legitimate they should know my address based on the name I gave them. They also provide a QR code on their letter which I believe maybe fraudulent to get more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Tuesday of this week, XXXX XXXX, XXXX, I paid off my mortgage that was held by Bank of America. The money to payoff the mortgage was transferred from another account that I had with the bank ( Rewards Money Market Savings ). The amount of the payoff was {$40000.00}. Prior to the payoff taking place, I could view my mortgage payment transaction history ( Payment Date, Payment Amount, Principal / Balance, Interest / Buydown, etc ) online on the Bank of America website. After the payoff, the transaction history was removed, that is, it can no longer be viewed. So, the payoff and hopefully the XXXX balance can not be viewed or printed. I called the Bank of America Mortgage Department this morning, Thursday, XXXX XXXX, XXXX, at XXXX XXXX to complain about the removal of the transaction history. I was told that their system automatically does this. The representative told me she would mail me a copy showing the payoff amount and that I would receive it within seven to ten business days.

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