BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir/Madam : I have a problem with the Chase Bank XXXX Office XXXX XXXX XXXX, XXXX, OH XXXX that refuse to open a checking account for me at a local Chase Bank XXXX located in XXXX, New York XXXX XXXX 

I complained to the XXXX Office about this fact, and received a response from them on XX/XX/2021. The Office states in their reply that according to the Deposit Account Agreement that can be found on www.chase.com Web site, the bank has the right to refuse to open an account for any reason or for not reason at all. I have reviewed very carefully the Account Deposit Agreement PDF sheet, and the bank is wrong. The Agreement does not address the account opening ; it only states that chase can close an account for any reason. I am a XXXX individual that would be much helped if I could have an account opened with Chase Bank which is in a very close proximity from where I live. 

I would like to seek your intervention as a bank regulations compliance entity in this matter so you can ensure that all the laws and bank regulations are followed by Chase Bank XXXX Office. Thank you for your assistance in this matter. I will provide my information in the space provided by the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: SYNCHRONY FINANCIAL
State: DE
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 recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: NM
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate

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 2021-08-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans being managed by Fedloan Servicing and I am disputing the payments eligible for public service loan forgiveness. Over the years I have attempted to get satisfying explanations about why payments were considered ineligible snd have not received adequate explanation. Fedloan servicing has always been my lender for the student loans in question. ( I have another student loan managed by XXXX, but I am not disputing those right now ). These loans have never been consolidated. I have always ( without interruption ) worked for a qualifying nonprofit or government employer. I have routinely updated my qualifying employment by submitting the public service loan forgiveness forms which have been accepted. I would like to dispute my ineligible payments but have not been supported in doing so by Fedloan servicing. I am looking for help challenging these ineligible payments that I have made in good faith toward public service loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account with Wells Fargo was opened using my personal identifying information. I have alerted Wells Fargo and placed a freeze on that account. They have opened a fraud investigation. 

Date of account inquiry/opening : XX/XX/2022 I have no data on the actual account transactions.

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 2016-12-04
Company: Total Card, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account. 

I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer. 

Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}

Company response to consumer: Closed
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. Transunion, XXXX, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you 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 2021-12-13
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked for a Payoff Quote on or about XX/XX/XXXX. Bank of America said they would send one to me, and also provided information in my account center regarding that I could obtain payoff information within the user interface. It indicated that I could obtain Payoff information on our Website by logging on, selecting Account Information from the Navigation Bar and selecting Payoff Information. This in no way was provided as an option on the website. I called in to customer service to obtain payoff information and was provided it over the phone, and they seemed to think that a payoff quote was sent to me via regular mail, but confirmed that payoff information and the navigation bar is not available. Bank of America should stop providing this documentation within the account center, as it is totally inaccurate, and confusing and very inconvenient for the customer that receives that incorrect information and looks on the website for a payoff quote. Account Center Letter indicates : Dear XXXX, Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage account. 

A payoff demand statement good through XX/XX/2016 was requested to be mailed to you on XX/XX/2016. Please be advised you may view your Payoff Statement on our Website. For Payoff information on our Website please log on, select Account Information from the Navigation Bar and select Payoff Information. Some loans may require special handling and are not available online at this time. To obtain this information please call XXXX, XXXX PST. A fee for this service may apply to some accounts. 

For further questions or if we have not fully resolved your concerns, you may contact our Customer Service Department at XXXX, XXXX, local time. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance. 

Original Message : Please provide a payoff quote good through XX/XX/2016, with an itemized breakdown. Please provide a quote that considers that I 've made my XXXX payment ( so that amount is not included in the payoff because I 've already paid it ). thank 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 explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: IL
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:
I am creating a new complaint as a follow up to complaint ID XXXX that was closed without a resolution. Essentially, Equifax has claimed that my credit file does not exist in their system, despite verifying with all my lenders that they have been sending my credit history to all XXXX credit bureaus, including Equifax, with the correct information. 

I have now contacted Equifax for the XXXX time, previously faxing XXXX pieces of documentation to verify my identity -- A passport, W-2 ( which includes the SSN # ), a utility bill with my current address ( XXXX  internet bill ), as well as a recent bank statement that includes my current address -- and have been turned away saying that this does not match their records. This time they told me to return their response letter with documentation verifying my identity and current address. 

Once again, I am receiving credit reports from XXXX and XXXX with no issues, but not Equifax despite having a significant credit history. 

I have mailed XXXX pieces of documentation as requested ( XX/XX/21 ), my latest paystub with my full name, current address and SSN, as well as a copy of my driver 's license with my full name and current address. I am applying for a home mortgage and this blank credit report from Equifax is preventing me from doing so. This is the last time I intend on sending documentation to get this resolved before I'm forced to take legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect report of lates is harming my credit score and these line items need to be removed from my credit report I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry XX/XX/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 2017-09-15
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:
All of these companies need to be removed from my inquires immediately.
1. XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 2., XXXX/XXXX XX/XX/XXXX 5 ) ..XXXX XXXX/XXXX XX/XX/XXXX 3., XXXX XXXX XXXX XX/XX/XXXX.
6 ) XXXX XXXX XXXX XXXX, XXXX..XX/XX/XXXX.
7 ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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 credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
We have a business XXXX XXXX, we have been directly affected by XXXX XXXX. We have a Chase credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made two payments in XX/XX/XXXX, one on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, Chase decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called Chase and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will XXXX  any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: MA
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:
While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I signed up for school, spoke with the counselors and they told me that being that I was a convicted felon informed me that I would not be able to gain employment due to may criminal record. I never attended any classes. I just signed the papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 written lets to the credit bureaus and they will not delete unverified accounts. this has been an ongoing issue for several months and they do not want to follow FCRA rules. they have been unable to verify accounts that are being reported. and so they must delete but have not done so.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a false fraudulent inquiry on my credit report from XXXX XXXX XXXX ( Bank ) placed on XX/XX/2021. I never contacted or filed anything with 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 non-monetary relief