BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
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: Other problem getting your report or credit score

Complaint:
Good Afternoon, I would like to let you know that for some reason my JPMorgan Chase Bank ( https : //www.chase.com ) Slate XXXX  credit score graph ( few months record ) was lost as of XX/XX/2016 or sometime earlier. Please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on XX/XX/2016 from JPMorgan Chase Bank secure message center : I would like to share that graph tracks XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX scores. Also, please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on  XX/XX/2016 from JPMorgan Chase Bank secure message center : Let me share that we have replied to you on XX/XX/2016 at XXXX XXXX  EST. As per you earlier email, we have shared that graph tracks the XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX  scores. Would you know why I had to enroll on XX/XX/2016 in to JPMorgan Chase Bank Slate XXXX credit score option for second time in order to see my JPMorgan Chase Bank Slate XXXX credit score? I  remember enrolling in to JPMorgan Chase Bank Slate XXXX credit score option account ending XXXX shortly after I opened my credit card account with JPMorgan Chase Bank Slate account ending XXXX. Originally, I was able to see my XXXX credit progress graph on my JPMorgan Chase Bank Slate account for few months. However, when I enrolled XX/XX/2016 for second time JPMorgan Chase Bank Slate XXXX credit progress graph disappeared and it showed only JPMorgan Chase Bank Slate XXXX credit score for one month, which was XX/XX/2016. As of XX/XX/2016 my credit score according to JPMorgan Chase Bank Slate XXXX score was XXXX. I do not recall that I would ever have cancelled JPMorgan Chase Bank Slate XXXX credit score option in the past. My internet service provider XXXX account number was XXXX. Attached please see 12 documents. Please let me know if you have any questions. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.

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 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I used my Bank of America credit card on XX/XX/2022. on XX/XX/2022 I discovered that someone had stolen my credit card information and used it to make unauthorized purchases to the extent of {$1700.00}. I reported this to Bank of America on XX/XX/2022 and told them that I did not authorize these purchases in another city that is XXXX miles away but so far, they still hold me responsible. This is even though I stated that I did not authorize these purchases and Bank of America is charging me interest on these unauthorized purchases. I feel that this goes against the Bank of America Credit Card agreement wherein it states that I am not liable for unauthorized purchases made with my credit card. I never authorized the purchases and I never received the merchandize. This is credit card fraud to the highest degree and Bank of America should be held liable for their inaction in absolving me of these charges and continuing to charge me interest for these unauthorized purchases

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 2020-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Need to lift freeze for student loan application. There is no customer rep, no email, no chat, no way to talk to someone at Experian. When I try to lift my freeze temporarily I receive an error that says to call. When I call there are no options regarding unfreezing and there are no options to speak with someone. If they do not have representatives they should not be in charge of credit.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: MI
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 mailed in letters before XX/XX/2021 asking Experian, XXXX and XXXX who they validated a bankruptcy that is reporting on my credit file. None of them sent a letter back with the answer, so I called all three and they all said they validated the information from the US bankruptcy court and XXXX. I reached out to XXXX and the US court. The court sent a letter back to me stating they don't validate this information nor do they work with the credit bureaus. XXXX sent me a letter back stating it was removed and its not on their credit file. I sent in dispute letters to Experian, XXXX and XXXX showing them that they could not have validated this information because its not on XXXX report and the us court does not validate this information so there for it should be 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 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from Bank of America, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of Bank of America.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a Bank of America on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXXXXXX XXXX XXXXXXXX. referred me to you to submit this complaint before we can actually file the police 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 2020-03-17
Company: Student Loan Finance Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My brother XXXX XXXX XXXX attended XXXX in XXXX Minnesota graduating in 2007. During that time he was pressured by the financial aid office to take out several loans promising that his employment post graduation would more than pay for his loans. I co-signed him with the intention to help his career. During the time I co-signed I was an over seas military spouse with no employment. The loan company accepted my co-sign. One loan is for {$36000.00} and the other was for {$18000.00}. I was surprised they accepted. I was unaware that he had several other loans out as well. He is currently an unemployed XXXX in XXXX who was deferring his loans by remaining in school going to XXXX  college. The payments were so high he couldnt manage. This semester he finally stopped going and is seeing a XXXX  for XXXX  induced by the loans he has incurred over his time in school. My primary goal is to remove myself from to two loans mentioned because it is harming my families credit. In addition I am a XXXX XXXX with a XXXX  XXXX  that could be affected by credit issues. However I am also concerned about my brother and the XXXX  this has induced on him. Please advise. Worst case is it possible for me to try to find the funds to cover the principal balance and get removed from the loan? What can be done for my brothers overall problem. XXXX XXXX XXXX XXXX XXXX is the company that has been coming after me now that my brother is having issues. 
Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and one even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX enacted Metro-2 426-character format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....

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 2022-08-27
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2020-03-17
Company: Williams, Alexander & Associates, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I went to landlord tenant court with my landlord XXXX XXXX at that time he was granted possession of the property and he got to keep a XXXX security deposit that we had paid to move in the property. 
In XXXX of XXXX a collection agency called Williams Alexander contacted my partner stating that we owe XXXX dollars I have no idea what this debt is about. In XXXX of XXXX I noticed this debt on my credit report. I have disputed it many times and I am now starting to see payments being made on this debt. I have made no payments on this debt I dont know who is making the payments, and Im sure the bank account or credit card numbers will not match mine if it is investigated. This man XXXX XXXX has my social security number and I dont know what he is doing with my information. Please help me with this matter I pay all of my bills on time and I believe this man is somehow manipulating information being that I had to give him my personal information upon renting the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am one of the people that had bank of America during the pandemic and my account was blocked and money was stopped because of people not doing their job

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 2016-05-05
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Equifax has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Equifax has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Closed '' XXXX XXXX XXXXXXXX " Closed '' XXXX. XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX XXXX " Closed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I was notified by XXXX XXXX today that my XXXX and XXXX XXXX accounts were negatively effected by a report by XXXX XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX   shows it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
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 accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. I'm unaware of this account and it's association to me. Please provide validation as per the fair credit reporting act. Please send copies via mail of original documents with signature, breakdown of charges and balances.

Company response to consumer: Closed with explanation