BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Per advice with a consumer credit counseling agency, on XXXX XXXX, XXXX I filed for the consolidation of my federal student loans as well as for XXXX. In XXXX XXXX, I was notified that my monthly payments would be {$30.00}, which was higher than the {$0.00} figure my counselor had estimated, but still found that managable. When I signed into my account on XXXX XXXX, XXXX, I saw that my monthly amount was now listed as {$270.00} and some odd amount of change. I called FedLoan 's XXXX number, and I was told that the {$30.00} figure was prior to my loans being consolidated and that I would have to re-apply for REPAYE. By how the information read on FedLoan 's webpage, they would consolidate first, then apply the income-based repayment plan afterwards. After submitting my re-application and some processing, I got notice on XXXX XXXX, XXXX that my monthly payments would be {$100.00}. While I have experienced a {$1.00} per hour pay raise at the start of the year, my counselor has commented that the amount that has been re-estimated should not be nearly that much. Needless to say, I am not very happy with FedLoan and both my counselor and I will be talking to them very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 information incorrect

Complaint:
I contacted the creditor XXXX XXXX XXXX XXXX  XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my Experian report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.

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 2020-06-10
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Chase to find out if I could move my due date. The guy I spoke with was very nice, he told me I could not change my due date but what he could do was set up payment arrangements to avoid that XXXX $ late fee. I owe XXXX $ a month and was paying {$1000.00} every month before the end of the month, it was just after the XXXX of the month causing me to have a XXXX $ late fee. I was n't too worried about the late fee, just did n't like being late due to the way my paychecks fell. He proposed that I not pay XXXX to give me time to save up the extra payment then for the next 6 months pay XXXX $ that would end up covering the missed payment in XXXX and my payments would not be due till the XXXX. That sounded great. I said sure. I received an agreement in the mail that said no need to respond to continue on about this payment plan just make the payments as follows. I did and I paid the XXXX $ on time like i was supposed to do. Come XXXX I received a certified letter in attempt to collect a debt from my past due payment for XXXX for Chase. I called and they said yes that is correct, although I had a payment arrangement they were still required to turn in I was past due for not making XXXX payment. I was really really upset! Had I known this would effect my credit I would have continued to pay the XXXX $ late fee. That was n't bothering me!! I paid up my mortgage to get out of this plan and so it would not be turned into the credit burrow anymore. I spoke with a representative who said he would look into this. He called me back and said unfortunately they can not do anything to fix what had been turned into the credit burrow, he could however send me a letter saying I am up to date. That does not fix my credit! That also does not matter to anyone trying to give me a loan! I have never missed a payment until I was told NOT to pay XXXX. There is no way to go back and change this now, I would have never agreed to this payment arrangement that would save me XXXX $ a month but ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$390.00} XXXX {$0.00} XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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 report was shared without my permission. Equifax was hacked and my information was stolen. They are completely responsible for keeping my information private and safe. Credit bureaus force me to be responsible daily, and I feel they should be held to the same regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: AR
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:
This is an update on previous disputes. I have put these companies on notice several times about mentioned accounts. I uploaded all the information. No one has provided me with the documentary evidence that I owe on these alleged accounts and they also have not provided me with the proof of authority. I have all exhibits and the issue has not been solved. I have asked for documentary evidence and the original instrument of indebtedness. The freedom of information act gives me the right to this information. I did not ask for a photo copy of anything. I am also not able to pull my XXXX credit report at all off any website. It states that information is not available and it has been saying that for 2 months. 

THIS IS NOT A DUPLICATE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Re Bank of America : I used to be able to go online to make an " extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the " standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted the creditor XXXX XXXX XXXX  ( XXXX ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. Transunion it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.

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 2015-07-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am a Colorado member of Chase bank and hold XXXX accounts with them : XXXX checking, XXXX savings, XXXX mortgage, XXXX auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other XXXX accounts since I do n't have a debit card directly linked to them. I recently noticed that a {$20.00} bank fee has been taking from my savings account monthly since XXXX 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
TransUnion not helping when calling there customer service line and know help working with me when I try disputing inquiries thats on my credit report there fraudulent and like them removed off 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 2022-08-04
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : KAY JEWELERS Account Number : 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 2022-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE!! I've asked several times to correct personal information on my report. After filing my 2021 taxes, I believe I am the victim of fraud. There are several inquiries on my report that I DID NOT DO... .Do n't tell me they are a matter of record when I keep asking you to verify or remove inaccurate or outdated information on my report! 

DO NOT RUN ANY INQUIRIES UNLESS I CALL YOU AND ASK TO LIFT THE FREEZE!!

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 2016-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( 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 correct : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : 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