BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: LA
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:
In early 2021, I closed all of my Chase accounts, including checking, saving, investment, credit card and mortgage accounts. I took this action because of consistently poor service. 

In XX/XX/2021, I received a Chase credit card bill for XXXX on an account that had been closed and paid off in full in early XX/XX/2021. I did not authorize this charge, I am not even sure what the charge was for and I had not been a customer of Chase for 6 months. 

I took the bill to the branch manager of my local branch, where I had done business for more than 20 years. I asked him to inquire about how this could happen, that a charge could be made on an account that was closed 6 months previously. I asked him to contact the Chase XXXX office and have the charge reversed. He was unsuccessful in getting further information from the credit card division and equally unsuccessful in getting the charge reversed. 

My house had been flooded in XX/XX/2021 and after this Chase matter came up, I was busy dealing with getting my house repaired and moving back into the house. A couple of months went by, with no action on this credit card bill. I did not pay it, because I hadnt authorized the charge and didn't owe it. In XX/XX/2021, I was notified by the credit bureaus that Chase had reported me for not paying a credit card bill and that they were lowering my credit rating by some XXXX points. 

There was no information on how I could dispute the Chase action nor appeal their action to lower a credit rating I had spent 50 years building. 

This is the result of you government people allowing banks and credit reporting agencies to get too big and not be accountable to anyone but their share holders. 

Where do I go to get this resolved and to get my credit history repaired for something that is not my fault and is the direct result of the size and arrogance of the 6th largest bank in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-27
Company: EQUIFAX, INC.
State: TX
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.

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 2017-07-21
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2021 I sent a letter to all XXXX, experian and XXXX about the first premier bank credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.

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 2020-04-21
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Citi customer stole {$2800.00} of XXXX cashiers checks from me and Citi is not releasing the funds. Customer name XXXX XXXX in NY.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions

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 2019-11-22
Company: ID Analytics, Inc.
State: MO
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:
Sagestream LLC reported my credit score to XXXX XXXX at XXXX. My Credit Score at  XXXX  is XXXX. I feel Sagestream is giving me such a low score because I am XXXX XXXX. I want an investigation into my complaint about this company. I was try to get financing to buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
APPARENTLY, I ASSUME SOMEONE FROM THE CFPB IS WORKING TODAY OR YOUR SYSTEM IS HACKED. THE LAST COMPLAINT IS ALREADY STATING SENT TO THE REGULATOR. THE ONLY ADDITIONAL OPTION WILL BE TO ASSUME KEEP WORKS OR PHRASES CAUSES A LEVEL OF FILTERING. 
I AM REQUESTING THE CFPB TO REVIEW THE UPLOAD DOCUMENTS. PLEASE NOTE SOMEONE CREATED THE XXXX XXXX FOR XXXX FROM THE SAME TEMPLATE AS BANK OF AMERICA ITS SO FRADULUENT IF YOU NOTICE THE ACCOUNT NUMBER AT THE TOP OF THE PAGE IS THE SAME XXXX. THESE FRAUD DOCS PERTAIN TO XXXX XXXX XXXX, XXXX GA XXXX, I AM REQUESTING ALL DOCUMENTS FROM BANK OF AMERICA AS THIS LOAD IS FRADULUENT AS WELL. 

THIS IS PATHETIC!

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, XXXX XXXX Transunion credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.

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 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
In XX/XX/XXXX I made two credit card payments that i transferred out of my checking account via online banking for {$2000.00} and {$1000.00}. On XX/XX/XXXX i discovered that someone called in and requested to remove those two payments and reverse them and send them to an outside account at XXXXXXXX XXXX. I have filled a dispute same day on XX/XX/XXXX and never received provisional credit to my account and was advised to make minimal payment and it will be resolved. 

Today is XX/XX/XXXX and after several attempts i haven't received provisional credit, money back and now i have extremely large amount of finance charges on my account. I think this is ridiculous that i need to wait this long for money that i never transferred out. Clearly a reg e issue. Bank is not following rules that are set to them.

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 2021-04-22
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice that my score went down. I go online to check it. A new collection is on my account. I never applied for service with at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We completed a refinance that closed on XXXX XXXX, 2015. As part of that closing, {$3300.00} was to be applied to principal reduction ( i.e. the refinance amount was larger than what was needed to pay off the old loan and closing costs ). 
Several months have gone by, and I have asked my bank repeatedly for an explanation on where that principal reduction appeared on my statements, and they have not been able to communicate this. 
I see that on XXXX, a curtailment amount of {$400.00} was applied, but {$2900.00} remains unaccounted for. 
The bank 's mortgage transaction statements are totally confusing and not clear.

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 2022-06-13
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 HAVE FRAUDULENT INQUIRES ON EQUIFAX, XXXX, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2022-01-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently with Fed Loan Servicing, and enrolled in XXXX. I am trying to get months I was in school-deferment to count towards my XXXX  months. I would also be open to submitting a payment for what my payment would have been back then. Some people have {$0.00} payments counting towards forgiveness, and I am upset that I was not provided guidance on submitting correct paperwork to get this status. I have XXXX messengered and spoken to people at Fed Loan. I also back dated an in school-deferment waiver to hopefully change this. No changes yet. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A STUDENT LOAN IS REPORTING ON MY CREDIT REPORT THAT I DONT OWN AND ITS FRAUD.

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 2022-01-27
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Enrolled in school in XX/XX/XXXX. My original loan principal balance was {$15000.00}. The lawn was in my fathers name. I only attended my school until XXXX. I did not finish due to finances. Needless to say I never finished college because it was too expensive to pay back the current loans that I have. As time went on my father expected me to pay my student loans because they were mine. At that time I was making {$9.00} and was expected to pay {$180.00} a month. When I reached out to my loan servicer to explain to them that I could not afford it they just put me in a forbearance. That was in XX/XX/XXXX. I was forbearance from XX/XX/XXXX to XX/XX/XXXX. Once I was married I was able to make a little bit more and start to pay off the loans. But at this time my interest rate went up 8.5 %. In XXXX I received an email I believe in XXXX that my loan was going up from {$180.00} a month to {$500.00} a month. Being XXXX  with her first child on the way and the pandemic happening we simply couldnt afford this. I reached out to our loan servicer and they suggested us consolidating the loan. They suggested this because I later found out on my own that we have maxed out the repayment plans. My servicer was putting us Repayment plans as well as for balancing my loans. Once I consolidated my love I was hopeful that I was going to be able to make payments because it was extended to a 30 year repayment plan. I then realized that my payments were now going to be over {$300.00} a month for the next 30 years with an 8.5 % rate. Leaving where my original principal was {$15000.00} to now {$40000.00}. But then that really leaving the loan to over XXXX in a XXXX fix. I Find it to be unfair that my loan servicer directed me and always possible in the wrong direction. No one helped me no one guided me no one directed me in the Direction and how to pay these loans off. I did not graduate and I understand that is my own decision I did choose to go to school and I know that was my own decision. But I did not choose nor expect to be in more debt than I ever thought I would be over 10 years later after taking out a loan to try and better educate myself.

Company response to consumer: Closed with explanation