BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I was offered a 0 % apr balance transfer offer online for freedom unlimited card up to credit limit. 

I was approved for a {$4500.00} balance transfer, I paid the {$220.00} balance transfer fee and received the funds. Upon checking my most recent online statement, it shows my promotion amount that is subject to the 0 % interest rate as {$1200.00} and not {$4500.00}. It also shows my interest savings payment as over $ XXXX. 

I called on XX/XX/XXXX @ XXXX EST and spoke with a gentleman ( dont remember name ) who said that it looked correct on his end internally and to just disregard. 

I called again on XX/XX/XXXX @ XXXX EST and spoke with " XXXX XXXX who also told me to disregard and that he didn't want to confuse me with banking jargon and that it was only for records purposes by using a formula of adding everyday balance and divide by cycle apr. I asked to speak with XXXX 's supervisor because I wanted an updated statement to reflect the correct amount of {$4500.00} as all my other credit card statements show with other banks. 

I was put on hold for over XXXX minutes and then transferred to supervisor : " XXXX ''. She told me that I wouldn't be subject to the interest rate unless I don't pay in full by end of promo date, which I agreed with, however she refused to correct the dollar amount of the promotional offer from {$1200.00} to {$4500.00} on my statement even after I warned that I would report them to the FTC. 

I am concerned because now I am going to be charged over % XXXX interest on {$3300.00} that was supposed to be included in my 0 % promotion they initially offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrong name on credit report, wrong information reported on credit report .. fraud and theft .. wrong spelling of my name that doesnt match whats on my social security card and services I never received

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 2023-06-14
Company: Experian Information Solutions 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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX, XXXX  ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and Transunion ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.

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 2023-02-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was traveling internationally in XXXX, XXXX when this charge occurred. I purchased two small rugs at what should have been a total of XXXX rupees ( roughly {$120.00} USD ). The vendor said they would package my rugs and receipt to take on the plane. 

However, when I saw my credit card statement in the subsequent weeks ( after arriving back to the US ), the vendor had charged me XXXX rupees ( roughly {$1200.00} USD ). There was no receipt packaged with my rugs and no way to contact the vendor directly. 

My next step was to dispute this charge with my longtime credit card provider, but the claim was denied because they are " unable to accept estimated amounts. '' I was pretty upset about for a few reasons : 1. we use this card frequently, keeping and making payment on fairly substantial credit amounts 2. more importantly, it is an estimated amount because of the conversion rate! The vendor 's offer was in rupees, which according to today 's ( XX/XX/2023 ) exchange rate, is {$120.00} at XXXX rupees. The rate for XXXX rupees at the time of the charge ( according to my statement ) was {$1200.00}. 

I am disputing {$1000.00} which is a lesser amount when compared with recent conversion rates.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: WA
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 an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or 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 non-monetary relief
Consumer complaint received 2022-07-24
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

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 2023-06-14
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm part of the PSLF program and reached my 120 payment total and submitted the final employer certification in XXXX XXXX XXXX. Right around this time, my loans were moved to MOHELA. A year later, my loans still have not been discharged and MOHELA can't tell me why or where in the process my application is. They have stated to me that in order to discharge my loans, Federal Student Aid needs to let them know what my final payment count is, which happens after an automated communication from MOHELA is sent when I reach 120 payments ( MOHELA also states that there is no record of this automatic communication, so they can't look up if it has happened or not ). After contacting FSA twice, I have been told both times that this is not true and that MOHELA is responsible for the entire discharge process, and that FSA is just notified when it is completed. While digging into my fifth phone call with MOHELA during the year, I was told by one of their supervisors that FSA is not being honest with me because they don't want me to call them, and that it has been so long with my loan because the Department of Education has a computer glitch to figure out ( the representative said that they've seen this before ). 

XXXX XXXX XXXX it's been a year since my loans should have been discharged for PSLF, and both MOHELA and Federal Student Aid are pointing the finger at each other and neither company can give me any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a mortgage loan and was surprised to see a collection from XXXX XXXX for my internet service which dropped my FICO scores significantly. I cancelled my internet service in my XXXX, AZ home with XXXX in XXXX and paid the due on XXXX XXXX with the understanding that all my account balances are paid off. So I stopped my payments. But there was a bill posted on my XXXX account in XXXX which I was not aware of as I stopped checking my XXXX account. And there was no communication from XXXX ( they usually call if a payment is due ) about this. Also based on the bill, the payment was due by XXXX XXXX and they reported it to credit on XX/XX/2020 which is even less than 30 days. Due to this I have not & did not obtain the full statutory period in which to take care of this debt in question as I did not receive any initial notification regarding the debt. In my opinion, this might be the case as I cancelled their service. 
This collection has been addressed with the original creditor XXXX XXXX, not RadiusGlobal, as a gap in communication once I was aware of this in XXXX. But they declined to remove it from my credit report. I would like to request this collection be removed from my credit due to erroneous collection practices.

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 2022-06-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM LOOKING FOR SOME HELP GETTING ITEMS THAT APPEAR ON MY CREDIT REPORT REMOVED DUE TO FRAUD.

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 2021-08-26
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: Their investigation did not fix an error on your report

Complaint:
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit 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 2022-06-13
Company: Experian Information Solutions Inc.
State: VA
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:
This is a response with Experian as the complaint was filed on XX/XX/22. Experian should have already responded. See below. 
The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
According to the fair credit report act XXXXXXXX XXXX, Capital one, and XXXX XXXX i have the right to privacy in which my information is all over google sites. 

Reporting agencies can not furnish a account with my permission A creditor may not treat a payment on a credit card account as late for any purpose. 

I have credit accounts as old as XXXX reported, with several attempts to dispute. Named is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.

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 2021-08-26
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to Hospital XX/XX/XXXX because of an accident which was not my fault and is still in litigations later receive a bill which was paid by my my insurance with a balance left of {$150.00}. In XX/XX/XXXX I receive another bill for {$2100.00} from Penn Credit my Lawyer sent all supporting document to the company to have removed they later sent to credit bureaus. The company continues to update the collection with the credit bureau we have disputed it 4 times and sent in supporting documents showing that I only owe the hospital {$1000.00} which was still in litigation because of a Lawsuit. XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX have been updated experian, XXXX  have removed from my credit but XXXX ask me to speak with the collection company which I have Twice and the consistently update the account as me owing {$2100.00} also they told me that the hospital share my information with them violating florida HIPAA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit 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