BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: JPMORGAN CHASE & CO.
State: NC
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 customer service

Complaint:
I reserved a five-day stay at Marriott XXXX, and we stayed five days. During one night of our stay, occupants in the room next door were being disruptive and were doing damage to the room. We reported the issue to the front desk three times. At approximately XXXX the police arrived to remove the occupants from the hotel. 
Following the incident, I went to the front desk on 3 separate occasions to lodge a complaint and request a credit for the night. Each time I was told no manager was on duty to assist me ; they took my name and number and assured me someone would contact me. No one ever did. 

I did not authorize Marriott to charge me for the full amount of the stay, however, they did so when we left the hotel - I did not sign anything indicating that I agreed with the amount of the charge. 

The next day, I called my card issuer, Chase, to dispute the amount of the charge. I spoke with three individuals at Chase, including a supervisor. They told me it was not their job to assist with customer service issues, and that I had no recourse from them. 

Based on my own experience with other card issuers, and from what I've read, I believe it is the responsibility of the card issuer to assist in resolving discrepancies between service providers and consumers : XXXX XXXX XXXXXXXX XXXX I promptly closed my account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: CA
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 took out an AA Citi card. They said they mailed it but I did not get it. I called and confirmed they had the right address and they sent another card. 

This weekend I have received 9 harassing phone calls and several emails dunning me for payment. I called and explained that I have not received the bill. I was told they could and would fax it to me within 24 hours. 

I did not receive the fax and called and spoke with another rep who said they can not and do not fax statements and they further would not email it to me. I told both reps to have Citi stop calling me. 

I then cancelled the card and wrote a letter to the CEO complaining about the harassing calls and saying I will pay the bill for all legitimate charges, in full, upon receipt, but will not pay any late charges or interest for a bill that I have not 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 monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX  XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation

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 2022-07-11
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I read on your website that Wells Fargo had a {$3.00} XXXX payout for mismanaged mortgages. In XX/XX/2018 Wells Fargo took over my mortgage. Immediately they raised my mortgage payment from {$770.00} to {$950.00} per XXXX claiming the interest was the same and couldnt provide details as to why the payment went up other than to say there was a mismanagement of my mortgage by the previous XXXX companies and there was nothing I or they could do. Could you provide me more information to submit my information to be included in this case payout as I feel my situation would apply? I have since closed all my Wells Fargo bank accounts and also sold my house to paid off the mortgage. Please let me know if any further information is needed. Thanks for your help!

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 2022-03-29
Company: SIMM Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I placed a call 2 Sims associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the penny original contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX  original creditor XXXX XXXX XXXX none of this was on my credit report for years why not even the XXXX card was not on my credit report cuz it was forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )

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 2022-07-11
Company: Bridgecrest Acceptance Corporation
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was stolen in XX/XX/2022. The insurance company declared a vehicle a total lost and issued payment to the lien holder. The vehicle was paid off by the insurance company however the lien holder sent a delinquent account notification in XXXX. When I spoke to the lien holder, the company explained, no payment was due the notification was sent in error. I continued to follow up weekly to validate the account was paid in full. They confirmed on multiple occasions no payment was due. 

I recently went to purchase a new vehicle and was told a late payment is reporting on my credit. There was never a late payment made on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: MS
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 Account Number XXXX XXXX XXXX  Account Number XXXX These accounts are inaccurate due to the facts on the documents that are attached. 

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

15 U.S.C 1681 section 602 A states I have the rights to privacy.

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 2023-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there was an unauthorized transaction that occurred at an XXXX XXXX in the amount of {$260.00}. The following day ( XX/XX/XXXX ) I noticed the transaction and called USAA to report it. They then issued me a provisional credit. On XX/XX/XXXX I received a notification from USAA claiming that the transaction was not unauthorized and that my credit would be revoked on XX/XX/XXXX. The notice also informed me that I could request the documentation used to make their final decision. I called several times in the days that followed requesting the documentation. I finally received a notice on XX/XX/XXXX, but it didn't actually include any of the documents used to make the decision. This was very upsetting for me especially since that was the day they removed my provisional credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
My first attempt to rectify the issue was by creating a dispute through the credit reporting agencies. My second attempt was contacting the creditors via phone and my last attempt was sending them documentation of my circumstance via certified US Mai on XXXX XXXX, XXXX and yet the creditors refuse to remove the information from the three reporting agencies. I am a victim of a Nigerian Romance Scheme. This was determined by the TX FBI and the U.S. Department of Justice. I am providing the creditors name and partial account numbers as the entire account number does not appear on the credit report. Prior to this issue I had great credit. I wish there was something in place to protect consumers from being allowed to open all these accounts without question just because I have or had good credit. I am a senior citizen and am just looking to get my life back in order and move forward and having this information on my credit reports are not helping. 
JPMorgan Chase Account # XXXX .... Opened XX/XX/XXXX XXXX {$26000.00} XXXX XXXX XXXX Account # XXXX .... Opened XX/XX/XXXX XXXX {$5900.00}, XXXX XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$15000.00} XXXX XXXX  Account # XXXX... Opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX  Account XXXX... Opened XX/XX/XXXX XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

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 2022-07-11
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXX Convergent Outsourcing / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX skippeXXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX There is a name XXXX XXXX that is clearly not me. 

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 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 2022-07-11
Company: EQUIFAX, 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 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 2023-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX. 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor Equifax want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: SYNCHRONY FINANCIAL
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I feel what has happened is when they put it into their computer they used the same reference number each one for {$5000.00} not seeing their mistake they billed me twice they billed me on XX/XX/2022 and then again on XX/XX/2022 by using the same reference number and dates to come up with this {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below 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