BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed this credit card account in XX/XX/2019 due to fraud on my card. They sent me a new card, with a new number, and I immediately closed that card too - I did not want to stay with them anymore. I had to fight with them several times, staying on the phone more than a 1/2 hour each time to get the charges removed and the foreign transaction fees removed. It took several calls before they told me that it was finally cleared all the way and the card was closed. I look online at my statement and it says I have a XXXX   balance and XXXX due. But, on XX/XX/2019, I receive a credit card statement saying I had a previous balance of XXXX ( all fraud charges and foreign transaction fees that they told me were removed and I had a XXXX balance ) - on this statement they are charging me interest of {$2.00} and a late fee of {$27.00} - bringing my balance due on this statement to {$160.00}! This was all taken care of and XXXX out a while ago. I called them about this because I don't want this late payment on my credit report and they told me that it is still being investigated - a different story than a month or more ago - I was told it was done and no more will or can be charged. While on the phone - for 35 minutes - they told me this was sent to me for informational purposes - which is false - I do not owe anything on this and they are using my old card number, the one with the fraud charges. I believe they are trying to get me to pay them and they know for sure this was fraud, it was reported right away and closed. Not only did this card get hacked, but it is a XXXX XXXX card and was only used at one of there XXXX hotels in XXXX XXXX, we did not use that card for anything else. They have not closed this account, they are using the old card number that had the fraud. They transferred all this info to the new card and cleared it out, but never took it off the old card and now are trying to charge me for interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/2022 To Whom This May Concern XX/XX/2022, I received a letter from the Federal courthouse stating they do not report bankruptcies to the credit bureaus nor to any other individuals. This being the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term INVESTIGATIVE CONSUMER REPORT means a consumer report or portion thereof in which information on a consumers character general reputation characteristic or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

My rights have been violated several times. 

The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-27
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you.Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for Hilton honors credit card on XX/XX/XXXX and was approved. I saw an email promotional offer via email a few days after applying and prior to receiving my card. Filed a claim to avail 0 % APR for first 12 months and bigger bonus points as mentioned in email offer. I followed-up a few days after and about a week after that but they said it was still pending review. I followed-up again on XX/XX/XXXX and was advised by bank representative that my claim was denied. I looked through my emails and saw that the offer was actually emailed to me several times prior to opening account with first time receiving in XX/XX/XXXX. Same offer was emailed again on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I tried asking another agent to open a new case, in light of this new information but they wouldnt even reconsider. I was forced to thinking of opening a new card, a different type than the one I had opened as this other card had a {$95.00} annual fee and I was advised by agent I would be able to avail 0 % APR if I applied and was approved. However, 4 to 6 hours later, the promotional link no longer worked, when clearly, it worked fine in the morning. They now claim that the offer can not be applied to my account and that they cant locate that same offer theyve sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my daughter ( she has a teenage banking account ) was trying to buy a concert ticket for {$30.00} from another student. She paid her on XXXX {$30.00} and then another {$120.00} was someone also charged and taken from her XXXX account. We tried to dispute the {$120.00} since that was fraudulent but XXXX would not take our complaint. She also reached out to the other student who has completely ignored her and not given the money back. The student is clearly stealing money by pretending to sell concert tickets. We then tried to dispute the full {$150.00} - both charges - since no tickets were received. I do want to reiterate that the {$30.00} was actually sent but the {$120.00} was fraudulent and unauthorized and we believe the XXXX account was hacked. We also disputed the charges through WellsFargo and they gave a provisional {$150.00} back but we just received a letter saying they have found that a processing error did not occur and they are deducting the {$150.00} from the account.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$400.00}. A couple of says later I noticed the same item was listed for less money and I attempted to contact XXXX and ask them to adjust the price. They refused stating I would have to return the item and order a new one at the new price. On XX/XX/2022, I placed an order on XXXX ( ORDER # XXXX ) for a Husky 87641 Brute Electric Jack at a cost of {$350.00}. 

On XX/XX/2022, I returned the first jack ( ORDER # XXXX ) via XXXX XXXX  XXXX XXXX The XXXX tracking number is XXXX. The item was received by XXXX 's depot the following day, XX/XX/2022. 

Based on XXXX 's policy I was supposed to receive a refund within 30 days of the return. Which did not happen. My XXXX account is linked to an XXXX store card issued by Synchrony Bank ( Account ending in XXXX ). I contacted Synchrony after the 30 day period ( and after multiple attempts to resolve the issue with XXXX ). 

Synchrony Bank attempted to process the dispute and I have provided them multiple times with the XXXX tracking number and other information, but they continue to state that I am not providing them with information. I contacted XXXX and thety told me that on XX/XX/2022 at XXXX PM XXXX, XXXX refunded to synchrony {$400.00} to resolve the dispute. Synchrony did not credit the refund to my account and continues to deny the claim. XXXX will not process a refund stating they returned the {$400.00} to Synchrony and consider the matter resolved. 

To date, I have paid twice for an item, of which I only have one in my possession. I have asked both XXXX and Synchrony Bank to provide any evidence of this XX/XX/2022 transaction and neither have provided me with the information. I'm left to conclude that Synchrony has received the funds from XXXX and are keeping it for themselves without properly crediting my account. This is unacceptable and I expect to have an amount of {$400.00} credited to my Synchrony account whether from XXXX or Synchrony Bank.

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 2023-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm trying to refinance my home but i have accounts that are reported on my credit report that the credit bureaus won't remove.

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Inquiries : XXXX Account Name : XXXX Account number : XXXX Date XXXX Last reported date : XXXX XXXX Last active XXXX Account Name : Account number : XXXX Date opened : XX/XX/XXXX Last reported date XXXX XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX  Last reported date : XX/XX/XXXXXXXX  Last active 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 2018-03-03
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am based out of XXXX. I hold an AMEX Platinum Reserve Card. During XXXX XXXX, AMEX conducted one promo where if card holder makes INR XXXX spend, qualified for INR XXXX worth gift voucher. I qualified for the same but never received the vouchers. 

I made numerous calls to AMEX support center in XX/XX/XXXX to get them send me the vouchers. Every time I hear from them that they sent the vouchers, but I never got it ( I was keenly checking my inbox and junk folder daily for the voucher arrival ). 

On XX/XX/XXXX, one of the representative sent the voucher from her personal email ID in which I first saw the voucher, which already expired on XX/XX/XXXX! 

Again I had spree of calls with their complaint escalation chain several times. They kept on delaying the response and every time come back with same answer of not providing me a valid voucher. 

I reached up to the top level of escalations. Now I somehow manged to get the call recordings of the calls I made to the customer support several times in XX/XX/XXXX. I need help to get the voucher which I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


XXXX XXXX XXXX XXXX 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 2021-07-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I don't know what happened but Chase Bank closed my accounts 2 business credit cards and 4 personal credit cards for no reason. I never miss any payment. Always pay off full balance on time. I had two fraudulent charges on my business card, I dispute but failed. Then my business cards were close. After couple weeks then my all personal credit cards were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 2022-02-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Follow up on Compliant : XXXX Did not receive Account opening bonus of 50,000 points ( after {$3000.00} purchases ) as explained in the letter received XX/XX/2022 after many inquiries. 

Finally received the letter from US bank that said my puchase of {$170.00} from XXXX XXXX did not count as purchase requirement because it was a " Transaction to Purchase currency ''. However, I bought a gift coin set, it was hardly a currency transaction as the dollar demonination of the purchase was {$2.00}. 

It was highly unprofessional to notify the reason after so many inquiries due to a relatively simple gift purchase that was not being counted. 

It is deceptive and inaccurate to count such gift purchases as " transactions to purchase currency ''. As a cardholder without any intentions to defraud the bank, I am greatly disappointed as how this is how a customer is treated.

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 2022-02-10
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Direct Recovery Services called my place of employment on XX/XX/XXXX from telephone number XXXX at XXXXXXXX XXXX. and today, XX/XX/XXXX, at XXXX XXXX. from telephone number XXXX. They also sent a spam e-mail to my work e-mail address. They are calling regarding debt that dates back to at least XXXX. In addition, they sent out an individual to my parents address to try to collect said debt when I did not even live at that address

Company response to consumer: Closed with explanation