BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
I called Southwest customer service to find out when my companion pass will be reinstated, as I earned it again for this past cycle. However, I was told Southwest/Chase will not be giving me one even though I earnestly earned it. 

On XX/XX/XXXX, Chase to find out how much more I needed to spend in order to earn another companion pass. The Chase representative told me I needed to call Southwest Airlines. Soon after I called Southwest Airlines to find out how much more I needed to spend to earn my companion pass. The representative told me how much I had spent for the year and that spend until XX/XX/XXXX will go towards my companion pass renewal, even though the website says it ends XX/XX/XXXX and resets XX/XX/XXXX. On XX/XX/XXXX I paid via my Chase Southwest Rapid Rewards card {$5300.00} on my property taxes, which was the difference remaining to earn my Companion Pass. In order to pay my taxes via my credit card, I had to pay a 2 % additional fee. 

On XX/XX/XXXX I called Southwest customer service to find out why my companion pass had not been renewed on my account. In the past, I had already received the email confirming my renewal by the first week of XXXX. The representative confirmed that I did qualify for a companion pass but that it was not showing up in my account and that I needed to call customer service on Monday to have it reinstated. 

On XX/XX/XXXX I called SouthwesXXXX customer service to solve the issue, but XXXX, The customer service agent said that I did not qualify because my spending ended on XX/XX/XXXX, not XX/XX/XXXX, which is contradictory to what the rewards portal states ( Last day of the year ) and what the first Southwest agent stated ( XX/XX/XXXX ). 

I went out of my way to pay {$5300.00} in taxes and pay a {$200.00} processing fee just to be able to qualify for the XXXX points. Additionally, I noticed that almost XXXX points never hit my account until XX/XX/XXXX even though the purchase was made in early XXXX. This has been an absolute bait and switch. The rewards portal states it resets at the beginning of each year, but instead, they claim the actual dates coincide with my statement date I have attached my XXXX statement for your review. Please note that they did not post some of my charges until XX/XX/XXXX. Additionally, they didn't give credit for some purchases made within their rewards shopping portal, as they claim the items purchased via their retailers do not qualify, which is ridiculous because I would have earned points on those purchases if I had made them in-store, but they advertise that you get more points on the rewards portal. Additionally, the total amount spent does is not equal to the rewards points because some purchases qualify for more than 1x point. For reference, in mid-XXXX, I had already earned XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: First Technology Federal Credit Union
State: CA
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 opened a credit card account with First Tech Credit Union in XXXX, 2023, and moved a balance ( {$9100.00} ) from another financial institution to the new First Tech card under a promotional rate of zero percent for one year. 

I then made a new purchase on the card for {$500.00} that's not part of the balance transfer. When I asked the company what my minimum payment needs to be to avoid interest, they told me that the only way I can avoid paying interest on the {$500.00} is the pay off my balance in full, or {$9600.00}. 

I've done many balance transfer in the past, have accounts with XXXX and XXXX XXXX, and others, and those companies always separate promotional balances from non-promotional balances and treat each balance accordingly. With First Tech, by using the card to make a purchase, I'm now required to pay interest on the {$500.00} for the next year unless I pay off the entire card balance ( promotional and purchase ) on my next statement date.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Last reported XXXX XXXX XXXX  {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX XXXX  ( 5 yrs, 7 mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX Last reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX XXXX ( 5 yrs, 7 mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XXXX XXXX XXXX  Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor SNAPSHOT Opened XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP

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 2023-04-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-02-27
Company: EQUIFAX, INC.
State: WI
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts or inquiries listed here. 
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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.

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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the account sand remove them if they couldn't. 

I sent the second letter to them on XX/XX/, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. This included a police report on the identity theft. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I sent the 4th letter on XX/XX/, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. This also included a police report on the identity theft. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$950.00} by XXXX for a transaction that I did not make on XX/XX/XXXX. Someone stole all my credit card information including my CVV. They also had my cell phone number and home address. I called Citi a few and they ruled in favor of the merchant saying they have compelling evidence that I made the transaction. I told Citi that my information was stolen and that the tickets were sent to an email that isn't mine. The tickets were sent to email address XXXX which is NOT my email address. The IP address was XXXX XXXX, Illinois. I live in XXXX, Illinois. I had 2 other fraudulent transactions that day and apparently I wasn't on the hook for those 2. The fraudulent transaction I am disputing had this same email address on one of the other fraudulent purchases. Not sure what more I can do. This is why i am contacting you. I did contact the XXXX, Illinois police department and my report number is XXXX. I contacted the FTC yesterday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX account number XXXX is reporting inaccurate information on my report which is detrimental & hurting my rating. They are in violation of XXXX XXXX as they are reporting XXXX  XXXX/XXXX  XXXX  as 120 days past due when they never reported my account as XXXX nor 60 days past due. Yet XX/XX/XXXX through XX/XX/XXXX have been on time according their reporting, so how does the reporting go from current to 120 days past due? They have also reported the last day reported as XX/XX/XXXX but currently reporting XXXX days past due. This account has been removed from my XXXX and XXXX reports for the above violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 2022-10-27
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I discovered that one of my credit cards had an error in the XXXX application and I was not able to either use it or remove it. 
After several attempts to remove the card, I contacted Google support. They told me to contact my bank, to have them remove the card, which I did. XXXX Bank removed the card from the Google Pay system on XX/XX/2022, but the card continued to show up in the XXXX application. 
I returned to Google support who asked me to submit screen recording two different times, which I did. Our communication then continued over email with several messages exchanged, in each message Google 's customer support person telling me that she is checking her " resources '' ( I must have heard that word at least 50 times ). 
Today, XX/XX/2022, after one month of not receiving any updates, I again contacted Google support over the phone and the cacophony continued. " Let me check my resources '', " can you send me a screenshot? ", " only you can remove the card '' ... bottom line, Google is storing my financial information without my consent, which I consider to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
PennyMac VA loan. They were not taking out Real estate taxes so taxes paid late but only after I called them. I wanted to pay on my own so there not late. now they say I can not. This is a VA loan. i wish I had number to VA to let them know. Tax would have been {$1600.00} but because there incomitance {$1700.00}. I want to pay myself. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Owed XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX COMENITY BANK ) XXXX Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1900.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$5500.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2021-12-01
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am attempting to amicably resolve this issue as I have stated to this debt collector this debt is not mine and I never entered into this agreement. This is certainly a case of identity theft or error. I refuse to pay for or be held liable for debt that is not mine. Cavalry SPV I LLC needs to address this matter as I am not going to be railroaded over for funds. I simply want this issue dismissed and collection attempts to cease. These multiple court proceedings and legal measures need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: OH
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:
I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX Equafax etc and nothing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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