BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 received an offer to sign up for Chase 's XXXX XXXX XXXX and receive XXXX XXXX when I get approved and spend {$3000.00} within 3 months. I signed up, saw it only was for XXXX, and called Chase if they will honor the XXXX Miles sign-up bonus, otherwise I will cancel the card as I can just sign-up again. The agent said they will seek approval for the XXXX sign-up bonus upon completing {$3000.00} in spend - I waited XXXX minutes, then the agent said yes he got approval and that I just needed to call back and refer this call 's notes that he left when I received the XXXX miles and they will add the XXXX points. 

I met the signup bonus requirements, received the XXXX miles, and called back for the XXXX. The agent then said they saw the note and that I met the requirements, and said they will escalate it to get processed. 

I waited patiently for more than a month knowing it XXXX take several statement cycles to appear. It never showed. I called back and the supervisor said it was denied but that she ( XXXX XXXX saw that I met all the requirements and it seemed whoever it was escalated to misunderstood. So she resubmitted escalation with clarification. 

I waited again and followed-up, and was told that they denied it again. The supervisor said they will not honor it, that the agent told me wrong information, and that they won't do anything more and there's nothing that they will do about it, that they aren't responsible for misinformation given, and hanged up on me. 

I fulfilled my end was patient, they said they would do their end and that it was already approved, and now are saying they won't honor it and that it doesn't matter what I was told previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried to use this card three times at XXXX and once at XXXX. On all four occasions, American Express has declined the transactions. All purchases I have attempted to make have been equal to or less than {$75.00}. When I chatted with an XXXX rep, they said that it is an error with the card issuer as American Express declined the transactions. I have tried to contact american express via the number on the card ; however, it is only a recorded line with no option to speak with staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-02-11
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I had a XXXX XXXX XXXX XXXXXX/XX/XXXX I hit a deer and my insurance totaled the car, insurance paid the car off and they reported that I was behind on my payments which made my score drop big time, they settle the claim in XXXX, so how was I behind on my payments when my insurance already paid them off. Bridgecrest is the company I finance the car with. And it said on my credit report that it was paid off. XXXX dollars. That's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
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 found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved 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 explanation
Consumer complaint received 2022-10-02
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:
In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2022-10-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: TN
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-05-01
Company: Experian Information Solutions 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:
I did not make this inquiry, I have no affiliation with these creditors, and I request that it be promptly removed 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 2022-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX I received a call from Nissan saying that if I didn't bring my account current in 60 days they would mark the payment as delinquent. I made a payment within the 60 day window and I still have XXXX delinquent marks on my credit. Please ask for the recorded audio in XXXX because the rep told me it was 60 days not XXXX. 

I called in a second time and that representative basically told me the first woman I talked to was lying. 

Because she gave false and misleading information I would like those XXXX delinquencies removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Complaint Against Transunion for Failure to Remove Inaccurate Information : Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Transunion, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report. 

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Transunion complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

Sincerely, 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 2023-05-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following account XXXX XXXX XXXX listed on my Experian credit report has missing/incorrect account information. The following errors are listed : 1. This Individual account which was included in the bankruptcy is still appearing on the report after seven years. In both XXXX XXXX and XXXX XXXX bankruptcies, the individual affected accounts can only impact a report for seven years starting from the original delinquency date. 

The original delinquency date was in XX/XX/2016 ( see attached ). The creditor is reporting this account with missing information ( actual delinquency date, original balance, payments made, etc ) - because they are NOT the original creditor and as such, they can not list correct information which they dont have. 

This account has numerous errors so why is this account still on my 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 2017-08-06
Company: EQUIFAX, 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:
XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing is reporting incorrectly to all three credit bureaus. They show that I am past {$490.00} and that the account was charged-off and is on foreclosure. This is hindering me from obtaining a refinance with my primary mortgage. I wrote them several months ago and they sent a letter apologizing for their error and also said corrections will be made. Nothing was ever corrected. When I call the company, they tell me they do n't see where they sent me a letter and I basically get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX and also direct tv offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX Experian and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name

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 2022-04-28
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: NY
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2021-03-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For various reasons I chose to close my First Citizens Business Bank account via mail on XX/XX/2021 in writing. I originally spoke to the home office on the phone about closing the account when I was told that I could not verbally request it and I would have to put it in writing, which I did mail a letter on XX/XX/2021. A few days later, I received the letter back stating that it was not signed by the owner, which is me and so I did sign the letter and place it right back in the mail. In the meantime, the last transaction that took place on the account was a check in the amount of {$410.00} on or around XX/XX/2021 and the debit card, which I had in my possession was placed on my shredder to shred when I received the remaining XXXX from First Citizens by Cashiers Check. 
Moving Forward I had not heard anything from FCB on Friday, XX/XX/2021 and still had online access to my account when I noticed suspicious activity of XXXX for XXXX XXXX XXXX, I immediately called the Fraud department at FCB and notified them of the following, ( 1 ) This is not my charge, I have never been in a XXXX XXXX XXXX nor have I ever ordered anything online from them and further more had no need, where I live we have a Sporting Goods store ( locally Owned ) and they could get me anything I needed or wanted. ( 2 ) Anybody that is in the process of closing an account would not wait and place a charge against the account, considering if the bank had accepted my original letter like they should have, the account would have already been closed. ( 30 now this has messed me up in getting my full XXXX back. I knew what I was supposed to get back from FCB. The account was finally closed on or around XX/XX/2021 because I received a Cashiers check in the amount of {$18.00} and not the original XXXX, so I responded with a letter outlining that they need to go ahead and issue my XXXX to me or face a late fee ( s ) and that letter was dated on XX/XX/2021 and so instead of sending me my money, like I am making it up as I go, they mailed a response that they have issued a provisional credit for XXXX and should have resolved within 90 days. Since then I have invoiced them for the funds that I should have already received and instead has put me to more trouble. It is funny to me that they knew good and well I was closing the account and what was funny there had not been activity on the account for two weeks and they went ahead and paid out the fraudulent charge on XX/XX/2021 and only issued a credit on XX/XX/2021, when they should have issued XXXX.

Company response to consumer: Closed with explanation