BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for an XXXX XXXX  XXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from XXXX XXXXXXXX XXXX. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my XXXX  XXXX XXXX credit request was approved and that the welcome package and card ( s ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX  XXXX XXXX card from XXXX XXXX  XXXX was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in XXXX business days. I received the welcome packet and card on XX/XX/2022. I contacted XXXX XXXXXXXX XXXX to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The XXXX XXXX  XXXX representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that Chase had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in XXXX to XXXX business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXX of XXXX XXXX  had been upgraded. I had not requested a XXXX of XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXX of XXXX cardholder. I received TWO identical XXXX XXXXf XXXX welcome letters upon my return. I called Chase and cancelled this credit card on XX/XX/2022 On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is recurring a recent check that Ive deposited to my business Account, and this transfer is on hold because its kind like a 3rd party check. The reason why i deposited this check because its authorized from the payable payee, which this check is to given to, and on the back of the check, which have includes the written and signature includes that this check have authorized payable to My account. I have try to ix this issue with my bank, but the bank have place this hold on my account full access!! This is unfair to me, becuase theres many others deposit on my account, such as cashier check that i just deposited into my account, and the bank have put this holds on my fully account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX # XXXX Amount : {$430.00} Date Opened : XX/XX/2022 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-20
Company: Experian Information Solutions 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:
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX  XXXX XXXX Balance XXXX {$3700.00}

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 2022-06-21
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of XXXX I notified Navient that I had gone through a divorce and that my income had plummeted by {$90000.00}. I was barely making {$15000.00} a year and the loss of my now ex-husband 's income was financially devastating. Navient told me to get a second job, that they did not do income based repayment plans, and also suggested that I rent my spare room out to make the payments. 

I struggled to make the payments and started falling behind those payments in XXXX. Navient sent me a litigation notice late XXXX. I filed for bankruptcy in XXXX. That is when Navient sent my private student loan to XXXX XXXX. 

In XXXX of XXXX, I received a letter from Navient stating that they didn't have the correct address on file for me, despite me living at the same address for 7 years at that point. They also sent me a bill for $ XXXX and the due date was one week away! I called them and explained that I had very low income and that I could not pay the amount they wanted me to pay. They went through my income with me and still insisted that I made enough to pay the amount they wanted. I told them that I have XXXX small children living with me and that did not matter nor was it taken into consideration during their income status questionnaire. I put my loans in deferment in XXXX of XXXX. Navient had originally said that I could put my loans in deferment for 6 months but the actual deferment period was only 4 months. 

When my deferment was over, I tried again to explain to them my situation. They did not tell me that I didn't have to disclose my alimony payments in my income information and tricked me into disclosing that information. They asked for that information and did not say that I did not have to disclose it. They also said that my federal loan did not qualify for the student loan repayment pause issued by the United States government. At this point I quit trying to work with them. 

Navient has- Sent my private student loan ( originally a XXXX bank loan ) to a collection agency called XXXX XXXX in XXXX during my bankruptcy. 

Navient has- not followed the federal guidelines placed on my federal loans and have been trying to collect on those loans since XXXX of XXXX. 

Navient has- called me at least 10 times a day for the past six months. They are starting to call my family members to collect the debt. 

Navient has- Sent me a litigation notice. 

Navient has- Ruined my credit even further by putting my federal loan in default as of XXXX of XXXX. 

Combined, both the private and federal loans total to about {$75000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BARCLAYS BANK DELAWARE
State: OH
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:
I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND THIS IS RUNING MY LIFE.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom may he/she concern, On XX/XX/2022, I received a letter from Bank of America and I opened it and noticed the account doesn't belongs to me. I call the Bank of America on XX/XX/2022 and told them I did not own this credit card and I did not purchase {$290.00} from XXXX, CA. The gentleman said he will close the account for me and until now I still have not receive any letter from Bank of America about this situation. Please notify me what to do next.

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 2022-06-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX, ( XXXX ) DEPT OF EDUCATIONXXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I submitted 15 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX  : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX XXXX : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX  XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX XXXXXX/XX/2020 I did not authorize them access to my credit file XXXX XXXX  XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On or about XX/XX/XXXX, I contacted Suntrust mortgage regarding the forbearance program. After waiting on hold for close to 6 hours, I spoke with an individual who described the program. The program was available for 90 days and in about 45 days they would contact me to see if I needed it to have it extended. During that time I would still accrue interest, but no payment was required. During that time I could make payments. I was also told that there would be no effect on my credit score and that Suntrust would let the credit bureaus know during the forbearance period that I remain current. On XX/XX/XXXX, I received a notification from the credit bureaus that my score went down 20 pts. After reviewing my report I learned that Suntrust had notified all bureaus that I was in forbearance on my Suntrust Mortgage. The call with Suntrust was recorded so I have attempted numerous times to contact via telephone and each time the call gets disconnected during the on hold queue. I have also sent emails regrading this to XXXX XXXX is the Home Preservation Client Representative. Her email is XXXX and her phone number is XXXX ext 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I submitted 1
5 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX  Acct : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX  XX/XX/2020 I did not authorize them access to my credit file XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file

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 2022-08-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the HJR192. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.

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 2022-06-21
Company: EQUIFAX, INC.
State: NE
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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged THE BUREAUS XXXX, XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
Since XX/XX/2022 I have sent Experian 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and there have not received any investigation results. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the XXXX. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.

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