BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: LA
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, 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 record 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-22
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt validation letter written and mailed out XX/XX/2021 to Portfolio Recovery Services at XXXX XXXX XXXX, XXXX, VA XXXX disputes were mailed out to XXXX XXXX and XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). 
I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED.

NOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. 
FILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.

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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express advertised its relationship with XXXX as a feature of the XXXX XXXX The feature gives consumers up to {$100.00} for using XXXX to purchase airport lounge tickets through their website. I obtained this card in part because of this added feature. However, when attempting to use XXXX, the app does not allow purchases for all airport lounges. In visiting XXXX XXXX XXXX XXXX XXXX does not allow purchase to any, with over 10 lounges available at the airport. Instead, for the lounges I was interested in, the application simply told me to just walk into the lounge and buy a ticket. 

In reviewing the conditions and terms of this benefit, American Express is requesting that consumers purchase tickets through XXXX to receive the credit. However, the limited availability of the third party does not allow consumers to comply with American Express 's requirements. In addition, terms and conditions presented by American Express do not detail the limited availability of the third party, which, if disclosed, could assist consumers in making informed decisions about the card, as this card also comes with an annual fee. It is a tactic of American Express to market the card benefits as an attraction and that " the card pays for itself. '' Unfortunately, due to this relationship, this card does not. 

This appears to be a violation of the Federal Trade Commission Act, Section 5. Truth-in-Lending requires disclosures to be clear and conspicuous. Disclosures from American Express failed to detail that the third party does not permit purchases of all lounges, which would give consumers accurate information to make a credit decision. The bank has also failed to monitor and audit its third party, as the terms and conditions posed by American Express do not align with the offerings of the third party, presenting consumer harm. The marketing of this benefit by American Express is deceptive. 

I have already purchased two lounge passes with airlines that XXXX does not offer a sale for and I am requesting that American Express honor their agreement and provide me the {$100.00} statement credit come year-end.

Company response to consumer: In progress
Consumer complaint received 2023-06-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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, FL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-07-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account with Chase. I notice I got charged for {$24.00} fee in the most recent two months. I called Chase today and asked why I am being charged. I was told I have to keep my daily balance over {$1500.00} otherwise there is a {$12.00} fee. I was surprised. I did not receive any notification regarding my balance becoming low before the charge, nor get any statement in email nor mail. I use Chase mobile app to view account activities but there is nowhere says there is a {$1500.00} minimum balance requirement otherwise it is {$12.00} fee per month. 

Chase customer service says because I didn't set up a threshold in the alert that is why I don't get any notification. However even I set up an alert it will not be {$1500.00} threshold probably will be {$100.00} threshold to notify me that balance is below {$100.00}. So I will still be charged with the fee. 

I have been charged twice, but there was no any notification either mail or email says there is a fee on my account. I also have several accounts with XXXX XXXX  XXXX, when my balance is low they will send us a mail to tell us what we should do to keep the account status even we are using paperless statement. But I never received anything from Chase to tell me balance does not meet the {$1500.00} threshold Chase customer service says I didn't receive any mail because I am using paperless statement. But I also never received any email tells me my balance is breaching minimum threshold. 

Chase argues it is customer 's responsibility to maintain the balance. However, before customer taking their responsibilities, should Chase also have the responsibility to educate and remind customers there is a minimum balance requirement and how much. They could put an note under the account, also could send out an mail to tell customers about low balance and associate fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2021 I mailed a letter concerning misleading and inaccurate information on my credit report to this day over 45 days the bureaus have not responded to my request. The bureau causing me anxiety and I'm struggling too maintain my health for my kids and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have got into the 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 explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: FL
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.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, has violated my right.I have a right to privacy.Also state consumer reporting agency can not furnish a account without my written instructions. 
I do not own this debt.I dispute the validation this debt from credit bureau.I 'm not liable for this debt with XXXX XXXX do not have contract with them.They did not provide me with the original contract as I requested and a detailed statement of the amount the claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my home. I purchased my home and closed on XX/XX/XXXX. I made the first 3 payments with XXXX XXXX XXXX. I was then transferred to XXXX XXXX. The COVID-19 pandemic hit at the same time and I was unable to work. XXXX XXXX advised me to go on to a forbearance. They explained to me that I was protected by the CARES ACT and would be fine. It would not effect my credit and they would fix when the forbearance was over. During the pandemic my loan was transfer again for the 3rd time in less than a year. My new servicer was XXXX XXXXLoan Care. Once I was getting back to work in XXXX I contacted Loan Care to resolve. They advised me to apply for a modification. On XX/XX/XXXX Loan Care told me I was DENIED and had to pay them {$26000.00} IMMEDIATELY. I was shocked and I am now facing a foreclosure on my new home. My loan has been transferred 3 times in less than a year by servicers who complete mislead me and lied to me about getting help. I believe I am a victim of predatory lenders and I need help to save my home.

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 2019-02-15
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 status incorrect

Complaint:
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # 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 2021-11-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi my name is XXXX XXXX and I was a customer of Best Buy/CitiGroup when I opened my account I called their representative to set up auto pay and asked what amount should be automatically take out of my bank account the representative calculated and said X amount of dollars I paid more than what was told, so I was set up for auto pay 3 months later I purchased another TV and continued making payments, now almost 3 years later they send me a outrageous interest fee stating that the money I was paying only was going toward 1 TV and not the other ( which I wasnt informed until today ) and when I spoke with the agent ( XXXX team XXXX XXXX ) she apologized and said that the representative may have miss calculated and that since I was enrolled in paper less I shouldve seen where the money was being placed ( like I would know what Im looking at ) and she even admitted that the only way I wouldve know is if I knew the verbiage in the statement, this practice is very deceptive and unfair for the consumer its a trap I have multiple credit cards and never hav I had a issue like this, if you could please look over this matter for me, Thanks

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 2021-11-29
Company: EQUIFAX, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information Credit Acceptance XXXX **** XXXX bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: ALLIED MORTGAGE GROUP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is a continuation of my last complaint against Allied Mortgage Group. This mortgage company continues to have difficulty with properly calculating our appropriate payment at a 2.8 % interest rate, which is alarming. When I have notified them in the past of errors in their calculations, they were rude and dismissive. We have always paid on time. Last month 's statement said no payment was due. This month 's statement says we have paid $ XXXX YTD and that {$17000.00} remains unapplied. While I would like to accelerate the payment process, it is uncomfortable to send principal only payments since all calculations have been incorrect since the inception of the loan, per their last explanation on this site. There are no pre-payment penalties, but it feels like we are being penalized with this incorrect accounting. I request that all overage be returned to us so that we can either shop for a competent lender or send it in as a principal payment once the current errors have been corrected. When I explained to Allied today what my statement shows, I was asked to provide proof ; another alarming issue, because how do they not see the statement they sent out? Please assist.

Company response to consumer: In progress