BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Throughout XXXX I made calls several times a week to be put on hold for hours or just hung up on after being put on hold. On Monday, XX/XX/2022 I was finally put through to an Aidvantage customer service representative who told me that she had officially submitted my request for a refund of my loan payment of {$10000.00} and was told it would take 4-6 weeks of processing. Seeing no movement or updates on any loan balances for 7 weeks, I called again multiple times throughout the 1st week of XXXX and finally reached someone who did not transfer me on XX/XX/2022. They told me it would take 10-14 weeks. I have not seen my balance be updated and have been given conflicting information, potentially setting me up to pay interest on loans I had already paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Information belongs to someone else

Complaint:
Despite informing credit bureaus several times of the case with XXXX  XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.

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 2015-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Privacy

Complaint:
I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have contacted the Chase company several times regarding the disputed matter. They refuse to remove the charge of XXXX from XXXX off my card and continue to charge me interest. I advised them that i booked through XXXX that XXXX and allure knowingly falsified images and advertised lavish images of the hotel and described it as a fine luxury resort. The hotel had no water in the pool or spa and was under construction the restaurant and cafe were closed the rooms ac and sleep number beds broke, the place was rat and roach infested. This place is not a resort, its not even a motel it should be condemned. I had no place else to go as this was XXXX weekend could n't find another hotel to stay at last minute so we were stuck. We tried to leave but were threatened by the hotel they would charge us anyways as we had a booked agreement. Since they would not release are funds we could not leave. We could not find a hotel in range that had an opening either. Our claim is that they lured us to the hotel on false images and documentation they provided on the website. Had they disclosed the true and accurate images and lack of amenities no one would have booked a hotel here and that is exactly why allure resort continues to commit the fraud that they do. it is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: MD
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 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 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2017-03-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My account was never resolved after disputing several charges from a rental car service. My account was closed even after speaking with a banker at Chase Bank. I then obtained a XXXX Money Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NC
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 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 2021-07-26
Company: EQUIFAX, INC.
State: NJ
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:
Im hoping someone can help me with complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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 information incorrect

Complaint:
I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX Dealer XXXX XX/XX/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 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumers Financial protection Bureau Date : XX/XX/2022 Re : Wrong Address in my credit Report After I contact experian credit report regarding a fraud address in my credit report They suggested to contact Cunsumer Financial protection bureau to file a fraud address report in my credit records. 
The fraud address in credit report : XXXX XXXX XXXX XXXX XXXX, NC 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 2016-05-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
On my credit card I had XXXX charges from XXXX for XXXX on XXXX/XXXX/2015. XXXX said they never billed me XXXX times and this was a mistake on Chase 's side. XXXX recommended I do a chargeback, which I then did. 
Chase just denied my chargeback saying that XXXX did provide the service provided. This does n't make sense as XXXX states they only charged me once, not XXXX times. 

This is from an email exchange with XXXX : No XXXX XXXX, We did n't bill you XXXX times. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NC
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: SCOTTRADE BANK
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is in regards to XXXX and the illegal transactions posted in my XXXX Bank account. I 'm not going to drop this issue until you acknowledge the fact that Finpari.com is an illegal company and every transaction from them is null and void. I will not accept your previous " determination ''. The SEC and CFTC even says that Finpari.com is illegal. I urge you to contact them so we can be done with this.

Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PR
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient gave me a hard time verifying the school saying that I should verify, my repayments has been lies they always say they never receive my information when I submit it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2015-12-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase 's mortgage statement ( XX/XX/XXXX ) states that we must pay {$9500.00} in the coming month and we owe {$9700.00} in escrow. We do not owe this. 

The NOTE and DEED OF TRUST state that : ( 1 ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( 2 ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( see DEED Section XXXX ). 

The accounting that follows the NOTE & DEED OF TRUST yields Book 1. There is no late payment, and no outstanding mortgage & escrow balance from XX/XX/XXXX through XX/XX/XXXX. 

Chase has ignored the NOTE & DEED OF TRUST and manufactured the above deficiencies ( see Book XXXX : Chase 's accounting ). Could you help straighten this up? 

Chase has been harassing us. They has made 500 - 1,000 phone calls ; and sent & gt ; XXXX letters of default ; & gt ; XXXX mortgage assistance application forms ; and XXXX or XXXX intent of foreclosure notices. We think Chase has been doing this to numerous homeowners in order to bilk them out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: LEXISNEXIS
State: NY
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 Consumer Reporting Agencies have continued to abuse my right to privacy, as well as unauthorized use of my non public information having no direct consent from me, which constitutes Identity Theft. I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. The reporting of this information has caused me to suffer severe defamation of character and discrimination as it has been creating unjust treatment, higher rates and fees upon the extension of credit. The information has also caused me great embarrassment as it is being reported without my consent and I was unaware of such reporting and now current and potential creditors have viewed me less favorably. I. have suffered from marital instability due to the financial stress and burden this adverse information conveys. UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX NEW YORK - They do not report to any consumer reporting agencies. Meaning that these low down dirty consumer reporting agencies ASSUMED they had the AUTHORITY to FISH the Pacer network for consumers BANKRUPTCY records then furnish and profit of the HARDSHIPS, PAIN and SUFFERING hard WORKING AMERICANS are going through. This is DISHONORABLE to say the least, and should be ELIMINATED.

Company response to consumer: Closed with explanation