BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: JPMORGAN CHASE & CO.
State: MD
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:
I disputed a charge with a merchant that sold me counterfeit and defective goods.  Chase i nstructed me to contact  XXXX  to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted  XXXX  and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to  Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. I contacted Chase  and was tol d I would have to submit a request to have the dispute reopened in writing. I did so and included all information that Chase had requested from me since Day 1 of the dispute. Chase then told me I needed to submit proof that the merchant would not accept a return. I contacted the merchant and the merchant confirmed in writing they would not accept a return. I submitted this confirmation to Chase through their online portal. A month later Chase sent me a letter saying they would not protect me in this case because too much time had passed, and they could not recoup the money from the merchant.   <P/> I   disputed this charge last year, and Chase has dragged it out for months and months by requiring additional arbitrary information from me on an incremental basis.
<P/>
Additionally, Chase has not communicated with me in any way other than regular mail. No information is available through their online dispute portal or online communications portal other than automated responses along the lines of " We have received your message and are investigating your dispute '' ... Mail from Chase looks like any other piece of spam mail. Further, Chase never makes me aware that    they are sending me any correspondence via regular mail, thus I do not know to look out for it. I am a digital customer ; why encourage me to go paperless if your dispute process is entirely paper-based?  <P/> 
This is infuriating. Chase had every opportunity to side with the customer from Day 1 of this dispute. I have provided everything requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: EQUIFAX, 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:
1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for XXXX  and Equifax. 

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXXits affects my credit score greatl.

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 2017-04-24
Company: Tate and Kirlin Assoc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice in the mail today fro m Tate & Kirlin, Associates, Inc. The  notice says I owe {$130.00} to  XXXX   XXXX . I have no idea what TRS Limited is nor I owe a single penny to them. I tried to call them at the number listed on the notice but have not had any luck getting in touch with a live person. I strongly believe this is a scam.

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 2022-03-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I recently received a letter stating my Fifth Third bank account is being permanently closed after someone stole an excess of {$800.00} from me. For reference, I sold a game system, and someone off of a local marketplace offered to pay above the listing price for {$1000.00}. Turns out, the Money Order was fraudulent, and my bank account is negative more than {$400000.00}. I messaged Fifth Third through the app once I was made aware of the negative balance, and was then locked out of my account. After waiting until XXXX, I called and was informed I would not be liable for the large negative amount in my checking and savings, and that by a XXXX representative my bank account relationship will not be closed. So my question is this, what time of miscommunication XXXX is going on? I'm XXXX, a XXXX XXXX, and I'm raising a XXXX XXXX-year-old. I truly, truly do not have time for your XXXX. Furthermore, I received a letter stating that I owe Fifth Third around {$15.00} for a fraudulent deposit, which I was a victim of and lost considerably more money than a company that has billions under management. Could you explain this to me where it can make sense? Also, pursuant to XXXX if you at all, furnish anything negative on my consumer credit report. I will take you to court. I understand mistakes happen but fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MO
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 Account number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was inbetween jobs for about a year after I graduat ed. At one point, I entered into IBR but after I got married, was told, I no longer qualify despite the fact that only I repay my loans. Because I didnt have a steady job, I deferred and no one from Navient explained to me that the interest would be tacked on and inflate my monthly payment. I had an extremely low payment but after the deferment, I now have to pay {$1200.00} a month which is my cheapest option, at an interest only payment. This payment will go up every couple of years. Navient did not share this with me and did not try to help me find a lower payment. I am struggling to make this payment and it 's absurd to me that no on e from the company would have identified this to me as a future issue. I need a lower payment as soon as possible. I am going to begin calling the company every work day until they make an adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Was requesting copies of my credit report from XXXX, XXXX, and TransUnion for XX/XX/XXXX. Usually I request them online from the XXXX website. I have had some problems requesting all three at the same visit from this website so for my most recent visit when I started encountering problems, I submitted a completed printed XXXX XXXX XXXX XXXXXXXX XXXX and sent it to the address on the form for XXXXXXXX XXXX XXXX XXXXXXXX XXXX in XXXX. I received a postcard from TransUnion with a " date issued '' printed on it of XX/XX/XXXX. I received this postcard XX/XX/XXXX. The note states that their records show that I have received my free annual credit report from TransUnion within the past 12 months and that if I'd like to buy and additional credit report for {$11.00} from them, I can to online to disclosure.transunion.com or call them at XXXX. I called their number today to ask why they are sending a postcard telling me I have to purchase my credit report after having received a free one from them in the past year. After talking to the first one individual at this number- I am supposed to be receiving my current TransUnion credit report from them by mail at no cost. But, I was transferred to another representative who really couldn't answer my questions or explain why they are sending out these post cards. I terminated the call when it became apparent it was unlikely I'd get any legitimate explanation of why they are sending out a notice of having to purchase a TransUnion credit report right now after having received a free one within the past year. There appears to be a problem here, since we are supposed to be receiving access to our credit reports for free every 7 days until XX/XX/XXXX. I wanted to make you aware of this in the event other members of the public are also receiving post cards from TransUnion indicating that to obtain more than 1 free credit report a year, they are to pay for it - even though that currently does not apply. I can provide a copy of the post card if you would like although it does contain my TransUnion request file number on it which they use for reference.

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 2017-06-02
Company: PAID IN FULL, 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 have disputed this collection account with PIF 3 times and they have been unable to validate the debt. There is no contract or signed contract and have requested this collection account be removed from all  XXXX  of my credit reports,   XXXX   XXXX   XXXX   XXXX  . This collection account is still reporting on my  XXXX  credit report. I also disputed wi th the Credit Bureau (  XXXX  ) to  have this removed because the collection account can not be validated and they still continue to report this collection account on my credit report stating it has been proven valid and it has not.

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 2017-06-02
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We recently added land line service to our home. We got a phone number, roughly 3 months ago. Apparently, the previous owner of the phone number, who we do not know or have any idea who they are, owes de bt. One particu lar agency calls everyday. Both myself and my husband have returned the call to tell them we only just got the number. And no idea who they are trying to reach. They say they will remove number but continue to call.   They leave message to call  XXXX  right away, but caller ID shows number as  XXXX  and unknown name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
Bank of America attached to my account online message center another B of A customer 's contract documents. No assurance my documents kept private. XX/XX/2019 Bank of America billing dispute employee denied my claim on account ending XXXX. The employee sent notification email  alerting " new message about your claim ''. I logged into Bank of America message center, the denial letter and four additional attachments included on my claim site for account XXXX. The four attachments were for XXXX XXXX of XXXX, AR and contract to XXXX XXXX diet. I contacted Bank of America to address my concerns for my own claim 's 39 pages of confidential documents possibly attached to another Bank of America 's client 's message center. No assurance provided by Bank of America that my documents were secure and just an apology that Mrs. XXXX documents were not kept secure. Also, reporting Bank of America 's involvement in unethical timeshare scams with XXXX XXXX in XXXX, Missouri. Numerous attempts made to Bank of America to dispute the XX/XX/2019 timeshare contract negotiated fraudulently. Attachments included. Supporting documents of timeshare contract with my husband and my SS # s, birthdates, etc. to be provided upon request.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.

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 2017-06-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On   XXXX   XXXX   XXXX     I had a repair service billed to my credit card for {$310.00}, in which I made a payment on  XXXX  of {$53.00}. I did not see another bill until the end of  XXXX  (  XX/XX/XXXX statement ). I noticed a {$27.00} late fee and did n't understand why. I called  Well Fargo o n   XX/XX/XXXX a bout the bill and was informed that I had a bill (  XXXX   )  prior to the bill I had received. After a few minutes of discussing the missing bill, the  CSR indic ated that she would waived  XXXX  credit  XXXX  the charge as a courtesy on  XXXX  and sent me a copy of the missing bill for my records. Since the payment was {$80.00}, I sent in the differ ence ( {$53.00} )  on  XXXX  to complete paying the amount due. On the next bi ll (  XX/XX/XXXX  ), I now  see a {$37.00} late fee. I am confused again since I have been making multiple payments on my card. So I called again on XX/XX/XXXX  to inquire what was going on and I was told that the credit was not applied against what I had to pay but against the balance. I argued that that was n't what I was told and that in the conversation, the  CSR di d not indicate that I still had to paid {$80.00}. The CSR I was talking with would not remove the charge because they had remove the prior late fee. I asked to talk with a supervisor and while I can not remember whether it occurred in that conversation or whether the supervisor call back, I was able to talk to a supervisor and explain my case, emphasising that if I had received the missing bill, the first late fee would not had occurred AND that I was n't aware and I was n't told that the waived fee would n't count as a payment, I should n't be penalized for the  CSR not being clear and I do n't work at the bank so my understanding of amount be credited to my account and Well Fargo ( seem ) to   be different. The supervisor indicated that the fee would be waived but the credit  may not show up for up to 2 cycl es. I continued to make payments and paid off the amount owed. When I did n't see the problem corrected, I called back on  XXXX  and was back at square  one. I do n't have a problem with the bank making money but not by taking advantage of the customer. This has now seriously affected my credit score and other credit accounts.   <P/> I can see if I was acting in bad faith, but I tried to be proactive in handling issues with my accounts.

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 2022-11-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I NEVER gave You or XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a lease with XXXXXXXX XXXX XXXX since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX XXXX XXXX  reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
THEY HAVE FAILED TO RESPOND TO MY COMPLIANCE LETTERS ITS BEEN OVER 60DAYS, THEREFORE IM REINTERATING MY REQUEST IN THE FAIR SOLUTION BOX.

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 2021-11-16
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: Investigation took more than 30 days

Complaint:
They have failed to respond to my dispute letter that I send out on XX/XX/2021.

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 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I placed multiple orders for the same item.
<P/>
Due to Kohls general incompetence they did not fulfill the orders in full ( Cancelled earned Kohls cash before it could be used ). Any attempt at rectifying the situation with Kohls customer support was fruitless. They attempted to make multiple " manual '' orders to rectify the situation but any time these orders were placed, they cancelled them prior to shipping.
<P/>
I have attached a screenshot showing communication from a Kohls representative promising a credit of {$890.00} ( How they came up with that number, who knows ). This credit has yet to appear on my statement. I was even instructed that I NEEDED to go to a store and present two forms of ID to a store manager. After doing this in XXXX on XXXX17, the credit was still not issued.
<P/>
I would also like to note that I mailed in an official dispute letter to Capital One on XX/XX/XXXX. This dispute letter has gone unanswered and Kohls phone representatives refuse to let you speak with Captial One XXXXctly.

Company response to consumer: Closed with explanation