BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: PA
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:
I have called a total of 5 times between myself and my husband to resolve a problem where we attempted to book a hotel in XX/XX/XXXXusing reward points. The website had an issue not allowing the booking to take place, so I called and made the reservation using Chase Bank 's customer service. On the date we booked, Chase Bank deducted from our account Reward points earned through their rewards program equal to {$570.00}. It should be stated that I booked a second room directly through the hotel chain 's website because the reward program did not have any additional rooms left through their program and I needed a total of two rooms. After checking out and returning from the trip I noticed a second bill from the hotel for almost {$400.00}. After calling Chase customer service who then also contacted the hotel manager, it was determined that the hotel never received any money from Chase through the reward program, so charged our account for the room. Chase on 3 occasions said they would resolve the issue and credit the hotel charge on our account and make sure the hotel got their reward points money. Nearly a month later, nothing has happened despite numerous additional calls to their customer service. We have requested that Chase simply refund the reward points they took to resolve the issue since they never forwarded the cash value to the hotel, but to date they still have done nothing. The hotel got their money directly from our account resolving the hotel 's problem, however that means in total ( points + dollars charged to account ) we have paid nearly {$1000.00} for a {$400.00} hotel room. Their customer service never seems to have any records of us calling even though we could easily prove hours spent on their customer service line on our phone bill. We are thoroughly frustrated and Chase 's customer service just obstructs through endless transfers to other operators and promises to resolve the issue that never happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
I was sent numerous pre approval credit cards and loans per Credit Karma. When I applied had my credit ran I was denied and it left hard inquiries on my credit which affected my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I make payments quarterly through Heartland ECSI and made a payment a few days late but then received a bill the next month for the entire quarterly amount plus an extra fee. I called for clarification on the amount due and was told to just pay a portion of the bill and that it was not accurate. I repeatedly requested that they provide an accurate bill in writing so I could make a payment for whatever was due. They refused saying that they did not have that capability. 

I requested that they email me the correct amount so I could have something in writing ( fearing that if I didnt pay the amount shown on the bill I would be penalized ) and they refused again, saying that they did not have the capability. 

In summary, I received a bill requesting an amount that was incorrect and yet ECSI were unable or unwilling to provide an accurate bill or anything in writing certifying the correct amount. I cant imagine how many students have mistakenly had to double pay in this same scenario thinking that the bill they received was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: CA
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 Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX, and 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XXXX XX/XX/2022

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 2019-08-06
Company: CITIBANK, N.A.
State: NC
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:
Dear CFBP This is not a duplicate complaint as it does not relate to CFBP case # XXXX. I am filing a complaint against Citi ( CBNA ) for not giving me the required documentation to file a FTC  identity theft report relating to unauthorized inquiries from my credit report. They were requested to either remove the unauthorized inquires or give me the signed application and IP address used to submit so a FTC identity theft report could be filed. Citi was informed via certified mail that they did not have permissible purpose under the Fair Credit Reporting Act as I did not apply for credit. They did not read my complaint or provide the requested documentation proving that these were in fact authorized so a FTC report could be filed. Therefore, I am requesting you to require Citi to delete these inquiries from my XXXX report or provide the required documentation for a FTC identity theft report to be filed. Thanks, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About a month ago I tried to unfreeze my Experian account and their online service wasn't working ( https : //www.experian.com/ncaconline/removefreeze ). I had all the correct info entered, including my pin, and it told me I could only unfreeze by submitting a bunch of paper work to them through the mail. I called and after an extended hold I finally got to speak to a person. This person allowed me to unfreeze over the phone and said I should be able to use the online service again. 

To avoid this problem in the future I decided to use their lock/unlock service they provide through the XXXX website. Unfortunately I just got notice that my free year of this service expires this week. So, I tried to re-freeze my account using the online service and again got the message saying I have to submit a bunch of paperwork through the mail. 

I'm fed up with the fact that their online freeze/unfreeze service is not working. I have all the correct info, including the pin number.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting 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 2017-06-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: AL
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 obtained copy of my credit copy of my credit report and noticed a fraudulent account and name on my report.

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 2019-12-01
Company: AES/PHEAA
State: TX
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:
Dear Consumer Finance Protection Bureau, I have extensive student loans and am working towards Public Service Loan Forgiveness. I have been having trouble getting PHEAA/FedLoan Servicing to get the count of my PSLF-qualifying payments correct. Every time I submit an employer certification form ( ECF ), they get some or another count wrong. They take months or more to review and then do not communicate well. 

Specifically, the last detailed payment count I received on XX/XX/XXXX for the ECF filed XX/XX/XXXX ( 8  months late! ). On that detailed count, they said I had 93 payments that count. This, specifically, was incorrect ; they did not count the payment bill XX/XX/XXXX made XX/XX/XXXX ( see file XXXX Fedloan Loan Payment for what they thought at that time ; and see XXXX FedLoan count to see that after much discussion at that time they did realize that the XX/XX/XXXX payment should count, and see the letter from XXXX that reflects this ). 

Also, because of an error on FedLoans part, they did not generate a bill on XX/XX/XXXX. I called them and discussed, and they wrote me a letter that that payment should count. Please see letter from XX/XX/XXXX. 

By my count ( see attached PSLF count spreadsheet ) my 120th payment should be on XX/XX/XXXX, but the latest count I have from FedLoans from XX/XX/XXXX ( for ECF date XX/XX/XXXX ) says I have 104 payments and am on track for XX/XX/XXXX ( it should be 106 payments on that date, and thus it is 2-3 months too late ). It is unclear to me what payments they do not agree with and I asked about this months ago, but they have yet to send me a detailed count. 

I have not yet received detailed counts from ECFs files XX/XX/XXXX. I recently filed another ECF XX/XX/XXXX to make sure they are paying attention and the counts as described above are correct. 

I would appreciate your help with correcting these issues, as I am approaching the 120 payments and every month I pay extra is about an extra $ 1K! 

Thanks XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
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:
I was involved with the Wells Fargo data breach and was victim of identity theft and also part of Wells Fargo unauthorized accounts settlement back in XX/XX/XXXX class member XXXX. Im writing because this is still on my credit report. Even after I received compensation for this its still on my credit file for XXXX  dollars which is not much money but for the 7 years this has been tormenting my life Ive disputed many of time with no progress Im writing to you because Im the little guy here an I guess my voice isnt loud enough I assume its been purchased by another collector I cant seem to pin this down but Im paying for someone crime and receiving under XXXX in compensation for the years of negative remarks on my credit multiple times and I jus learned that when I disputed an they updated they updated the actual date that I disputed so it seems 7 years never get there which I was like XXXX it but now I found this and hopefully I can get you the information they neglect to either honor or check so others do not fall victim to this circumstance. The information I was given was that it was a secured card for 300 dollars I looked this an noticed that the 300 was paid or falsely paid and left the balance of XXXX. If my calculations are correct Wells Fargo the owes that thief some change yet Im suffering this limbo i dont understand but Somehow I can call up and they have my information and its even today I called and the lady had pulled my account from my social and phone number they do not have a correct address and my mothers maiden name like she asked As if I dont know my own mothers maiden smh she said to call back but Ive called plenty of times because I dont know the fake answers to my life this thief had put down I cant get any further Im asking anyone with any answers please what do I do next from here how can I get this blemish off my record so I can now be a XXXX XXXX yr old father of XXXX because I cant get my credit fixed to buy my family a house or a car I have an amazing job in new your city pays very well am I supposed to jus pay the XXXX which I could of easily of done but would be right i dont so Ill take this on the chin but Im fighting this all the way Wells Fargo I cant get information needed to even give facts here what is next for me. Ill keep researching. But all I have is a measly settlement for years of Wells Fargo updating my I guess date opened its been 7 yrs already but the last disputed they updated to XX/XX/XXXX when the initial account was open in XXXX ughhhhh

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 2017-06-23
Company: Experian Information Solutions 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:
victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I never opened these fraudulent accounts or even heard of most of them. They keep being reported as accurate when they so are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were fully paid back in XX/XX/2013 per confirming with IRS and tax records as well as verifying through the Navient record portal however this company is committing fraud by reopening my same loans which were already paid by TAX GARNISHMENT and attempting to put me in more debt I've asked several times to confirm why i would owe the same debt again for which was already paid and they can not I believe they are scamming me and selling my paid off information to other parties in order to keep me in debt I've seen them being taking to court per other states outside of Texas and i know for fake this cant be right or legal what they are doing to me i have proof of paid services and no reason or valid explanation from Navient as to why they reopened my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: CITIBANK, N.A.
State: NY
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 was not receiving my statement via email, despite requesting, as a result I was not notified when my payment was due and paid my credit card balance 1 day late. Then I tried to have the fee reversed and the credit card company refused, I then was charged another fee. They will not stop charging me fees! I now have {$53.00} of fees on a 1 day late balance of {$2.00}. It continues to grow.

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