BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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 rewards from credit card

Complaint:
I booked a hotel through Chase Ultimate Rewards on XX/XX/2022. The purchase was charged to my XXXX XXXX whose benefits include a {$50.00} statement credit for such bookings. The credit was not given. 

My claim to the missing statement credit was considered and declined on XX/XX/XXXX with an explanation that is not in keeping with the terms of the benefit. 

Terms state : " A statement credit will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of {$50.00}. '' The Chase representative justified not honoring the benefit because the Ultimate Rewards portal was initially accessed through a different card account. There is no stipulation to that effect in the terms. In fact, it is a nonsensical explanation because the same portal serves multiple card accounts. What matters, according to the terms, is that the charge is made to the card with the benefit in question. 

In addition, it is galling that disputes of this kind seem to be closed automatically after the second response from the company, regardless of facts or arguments. The same happened just a few weeks earlier when I complained about a different problem. I had booked an airport transfer through the XXXX XXXX which is serviced by XXXX XXXX if I am not mistaken. This booking was to be fulfilled through another intermediary ( in this case XXXX ). The airport transfer I paid for never materialized, and my local attempts to resolve the problem were not successful. I had to arrange for a separate ride while Chase chose the convenient answer that they have no control over services that go through other parties. Accordingly, Chase closed the case without refunding me for the service that never was. 

Chase does have control over the companies they choose to partner with. Likewise, if your corporate partner effectively defrauds your customer, you can choose whose side you would be on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2019-06-16
Company: Experian Information Solutions Inc.
State: NH
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:
For the last 3 years I have been dealing with Experian and XXXX continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter XXXX  Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX {$0.00} ( Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )

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 2023-10-07
Company: Paypal Holdings, Inc
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I started a monthly installment plan through PayPal to purchase a new computer. The plan was to use this line to rebuild my credit. The plan started in XXXX of XXXX Ive paid all my payment on time with a total bill of XXXX Ive paid off XXXX of the total as I write this on XX/XX/XXXX. 
Owing a total of XXXX. They made me aware they would definitely report if I didnt pay but could give me no info on if they are reporting my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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 XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have had nothing but issues with Experian credit report Bureau, I have contacted them 10 or more times since XX/XX/XXXX, and many times prior to that. I first contacted the Bureau in reference to a bankruptcy that started showing on my credit report in which I have never filed for bankruptcy, I contacted them as well as the US District Courts in XXXX Tx, I entered my information along with my social security number no information under my social, I then spoke with a court clerk she stated that she have nothing showing under my social security number she advised me to dispute it I did Experian will not remove this information, I asked them to verify my social security number they still haven't did this. I then have a nother issue with them I paid off a vehicle finance by XXXX XXXX in XX/XX/XXXX there was a late payment reported in the amount of XXXX XX/XX/XXXX, I contacted my creditor they advised Experian has access to their customer accounts and pulled information that wasn't correct I spoke with XXXX XXXX she advised me to dispute the information and she would get it corrected this was back in XXXX XXXX now almost XXXX and nothing has been corrected. I spoke with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX and XX/XX/XXXX, I've been hung up on told that they were submitting the dispute however I never received any information. This company is reporting accounts that aren't mine addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX TX, I've never lived there XXXX XXXX XXXX XXXX this isn't my account, XXXX XXXX XXXX this is not my account.. Erroneous alias names I've never used. This company shouldn't be allowed to do this, I have credit monitoring with this company I received alerts stating my information showed on the XXXX XXXX, however they are so rude unprofessional and unconcerned I was hung up on I need this company to be held accountable for the lack luster attitude they have concerning the publics file

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 2021-09-22
Company: Cawley & Bergmann, LLP
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:
Company contacted me on XX/XX/XXXX and left a voicemail saying they are trying to collect a debt. No make was mentioned and I have not received an correspondence in the mail notifying me of the debt and my right to dispute. Called me again on XX/XX/XXXX and left a voicemail and still nothing in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number XXXX XXXX  Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid 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:
Truist Bank offers a Visa travel credit card that is promoted to offer a statement credit on the purchase of global entry. We called the credit card number provided after a few months of not seeing the credit. We were told although they weren't familiar with this, that generally it takes three billing cycles. So,, we waiting a few more months then went into our local branch. The representative pulled up the disclosure and could see it was offered, and that we had not received it. She then called the CC department and got an even bigger run around! Not only was the gentleman unfamiliar with the offer but he was not interested in helping us, and claimed he couldn't even see our purchase.

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 2022-06-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reported twice online that the information reported on my credit report was suspicious. I asked for proof that the reported charge off was accurate, they simply responded that it was and gave no evidence it was. I called and explained this to the customer service representative and asked for proof the charge was legitimate. They said they would investigate, a day later they responded exactly the same as the online system and provided no proof the charge was legitimate. I have proof through my online account with XXXX XXXX that I've never missed a payment or even been late. My account is on autopay and I've never received notice of any problems. Experian doesn't seem interested in doing any real research into the problem.

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 2021-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have called ( and spent hours on hold ) to get in touch with all three credit agencies.

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be.

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis.

I have been trying to get this corrected for months, only to see no change in their erroneous reports.

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.

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 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$510.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$460.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$590.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXXBalance {$360.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$680.00} PORTFOLIO RC ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) - XXXX-Balance {$960.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX-Balance {$640.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXXBalance {$1100.00} PORTFOLIO-XXXXXXXX-Balance {$510.00} PORTFOLIO-XXXX-XXXX-Balance {$640.00} PORTFOLIO-XXXX-XXXX-Balance {$360.00} PORTFOLIO-XXXX-Balance {$590.00} PORTFOLIO-XXXXXXXX-Balance {$460.00} PORTFOLIO-XXXX-Balance {$680.00} PORTFOLIO-XXXX-Balance {$960.00} PORTFOLIOXXXX-Balance {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the Credit Agencies Transunion, XXXX and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with XXXX, Transunion or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.

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 2023-06-14
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Bankruptcy is on this report and needs to be removed immediately. I've sent a letter and still have not heard anything or had this item removed from all credit reports. 

They are in violation of two fair credit reporting act accounts. They have infringed my privacy and they do not have permissible purpose nor did they have my written instruction about this account.

Company response to consumer: Closed with explanation