BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
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: Confusing or misleading advertising about the credit card

Complaint:
According to my understanding of the promotional offers of the credit card, users were allowed " up to {$100.00} '' back for purchasing TSA Pre Check or Global Entry. We have 2 users, and each bought a the TSA Pre check ( valued at {$85.00} ) and would not have bought TSA Pre Check unless we thought we were to be reimbursed. Our understanding was that we would be reimbursed 2 times {$85.00}, or {$170.00}. However, we were only reimbursed a single {$85.00}. On Sunday XX/XX/XXXX, I contacted Chase about the Sapphire Reserve Credit card and asked them why I was not rewarded the additional {$85.00}, they said that they only redeemed " one '' purchase of either TSA Pre OR Global entry per credit card and only up to the amount of the single purchase and not total purchase for all users on the credit card. They told me there was nothing they could do. 

Our main dispute is that the wording in their promotional document ( attached ) is unclear. The document says that we are allowed up to {$100.00} for TSA Pre or Global Entry. It does not make clear that it is ONLY {$85.00} for TSA Pre or {$100.00} for Global Entry. In addition the document does not outline or define " account '' which we fairly understood to mean " user ''. Upon very close inspection of the document, I was unclear what either of the term meant, and the document led me to believe that each user on the card would be reimbursed. 

Finally, this concerns us because we opened up the card after very careful consideration of the costs and benefits, and the extra {$85.00} changes our math. We are now concerned that if we had know this, we would not have gotten the card or TSA Pre, and now we are stuck with the card and its costs. To add to that, the annual cost of a 2nd user on the card is {$75.00}, and we thought that this would afford all the benefits to the second user as the first user. Now we are unsure what adding a second user to the card affords us, and are concerned that we are effectively out a {$75.00} second user fee + {$85.00} TSA Pre change totaling {$160.00} annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company provides a phone number XXXX. Unable to connect to a live human being to get an address updated on my statement. The statement reflects the incorrect property addresss with the mortgage. The phone number is an endless phone tree that does not allow me to connect with someone to fix this problem. This is a faulty process that does not allow customers to adequately get their loan services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a negative report added to my credit bureau by DNF Associates today. I never received calls or mail and nobody validated this Debt. I dont know this company DNF? Nobody attempted to call me for any debt or mail me letters for this debt? How is it that this is reported to the credit report without any communication? No letters, no mail, no calls? There were no calls or mail sent to me by any companies so why would they go ahead and add it. This is a violation of the fair credit act and a violation of my rights. I would like this removed from my credit report since it is a violation of the fair credit act. I did not receive and call or any mail to validate any debt. There were no communications received from either company. Please remove this from my credit bureau at once.

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 2023-12-11
Company: Loqbox US Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

XXXX XXXX Charge accounts should not have any payment history due to them being late by default. 

XXXX  XXXX This is another charged off account that should not have any payment history because charge accounts are late by default. 


LOQBOX-XXXX  Can I get verification of these late payments. 

.. I want this late payments updated to pays as agrees. 

I

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 2023-05-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid the balance due of XXXX on my Ultamate Rewards XXXX XXXX on XX/XX/, which was 2 days before the due date. When I got my XX/XX/XXXX  statement, there was an interest charge of {$86.00}. When I called to inquire about it, I was told it was " residual '' interest. This seems to be fraudulent lending practices. I have never had a credit card charge interest after the full balance has been paid. After a lot of discussion, they wouldn't budge, so I paid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV funding is resurgent collection. I have the two e-mails still to prove they closed my two collection accounts and canceled my two payment arrangements. I went to XXXX website but it takes me straight to resurgent capital services. They have no right to continue to report every month to my credit file if they have closed them. XXXX is lying in their responses just to continue to harass me and wrongfully report these two collection accounts. They still deny it even though I have sent proof. Just more XXXX of course they are going to deny harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in XXXX  is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from 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 2023-12-11
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo Auto Loan Services provided an auto loan to me. Wells Fargo also provided without my consent or knowledge a third party auto insurance policy with XXXX XXXX XXXX and deducted from my monthly payment ( s ) the collateral coverage premiums before assigning my payment to my loan. I already had auto insurance on the vehicle with XXXX. 
I was behind on 3 payments per Wells Fargo due this monthly payment deduction for insurance I didnt need. The loan matured in XX/XX/2019. I paid the full loan amount due of {$3600.00} XX/XX/2019. Loan was paid early. Before mature date. 
Reported to collections agencies that XX/XX/2019 {$3300.00} written off and XX/XX/2019 payment received {$360000.00} on XX/XX/2019. Account reported as charge off bad debt. 
Three credit buried have different information reported. 
I have disputed this account for years and still the account remains a bad debt. 
A refund check on insurance premiums was refunded me but nothing with credit report happened. Remains a bad debt on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent in a my payment in full to close the account XX/XX/XXXX. 
I called fortiva today and they wouldnt give me any sort of payment confirmation even though they can confirm they recieved the payment - they said they didnt get the funds for a month - XX/XX/XXXX. Which is incorrect. I sent this in on XX/XX/XXXX. 
They wouldnt provide anything to me, not my mail, fax or email to show me the account is paid in full so I can send this to the credit bureaus to improve me score. 
This is unfair. I sent payment and cant have any sort of confirmation in writing to help my score improve. 
Confirmation number from fortiva is XXXX that they receieved my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I DON'T HAVE ANY REPOSESSION ON MY ACCOUNT PLEASE UPDATE IT AND REMOVE IT TO 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, 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 2019-10-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX is continuing in UNFAIR credit reporting practices by making it impossible to find out anything regarding My report, yet they continue updating negative reporting. 

EQUIFAX right now is negatively impacting my standard of life by reporting damaging, unsubstantiated claims and information ; deteriorating My character and ruining my reputation. 

1 ) EQUIFAX will not allow Me to log in online.

2 ) EQUIFAX will not give Me any information over the phone ... ( when I called and spoke with a rep she stated their system was down and to try again later. This was over 2 weeks ago and supposedly the system is still down, because I STILL can not login to My account via the equifax website ) 3 ) EQUIFAX, despite their " system being down '', continues to report a negative collections account which has already been discredited, disproved, and successfully removed from the other two credit reporting agencies.

4 ) Equifax also continues to report other unsubstantiated claims by alleged creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One Bank is purposefully making it difficult to remove PMI. 

I submitted a request to start the process 3 weeks ago and have not received a call, email, or secure message from the company with ALL information for removing it. They have only sent a message saying they will send another message via snail-mail. 

They REFUSE to give me the contact information for the PMI department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my identity was hacked around XX/XX/2023 ( including my phone at the time ( XXXX ) XXXX, my XXXX, and ALL my Chase bank accounts ( personal and business ). The hacker was able to make a fake ID, fake debit card, and had the use of my old number ( XXXX ) XXXX which they stole from XXXX XXXX XXXX ( I had to get a new number from XXXX XXXX XXXX from that point ). I complained and spoke with MANY different reps at Chase bank and spent over 15-20 hours on the phone and going to the local branch to resolve the issue but they did not help at all. I sat down with the local branch manager, district manager ( two of them ), and they all apologized and said they would speak with their superiors but they have done nothing. They still claim they are investigating but they have not cooperated with XXXX -- XXXX has an open investigation on this since over $ XXXX was stolen from my accounts. The hacker walked into several branches and withdrew money with the fake ID and debit card but according to one of the employees, he didn't look anything like the picture on the fake ID and his signature was completely different than mine or the fake ID. Also, there tens of thousands sent via XXXX by the hacker to his friends/family for which Chase has not refunded either. The hacker is still on the loose and applying for more credit cards under my name. In fact, Chase allowed the hacker to apply for and granted a credit card to him even when I already have a personal and business card through Chase. They never once notified me of any of these fraudulent transactions -- I found out of my identity theft via XXXX XXXX XXXX after my phone stopped working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by disclosing our information for financial gain for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U.S. BANKRUPTCY COURT : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX IN : # XXXX, XXXX XXXX  : # XXXX, XXXX 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 explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an 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 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