BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
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:
I bought my ticket with points through Chase Travel Rewards. 
Itinerary XXXX from XXXX to XXXX ( XX/XX/ ) and XXXX to XXXX ( XX/XX/ ). 

Prior to purchase, Chase Travel Rewards had confirmed on XX/XX/ that there would be no charge for any cancellations or changes to the flight ticket, even if I used the first portion and needed a cancellation for the return portion, there would be no fees associated. I called Chase Travel rewards multiple times ( total of 4 times ) from XXXX XXXX - XX/XX/, and was told there would be a cancellation fee of $ XXXX CAD. I argued with them that this is not what I was told in XX/XX/ when I called and even on the website at the time of the call in XXXX XXXX there are NO charges to change my flight. I was told that I would receive a call back on XX/XX/XXXX. I never received the call. Upon following up, on XXXX XXXX I was told I would receive an email in 72 hours. I never received any emails. I called again on XXXX XXXX to be told to wait 72 more hours. No calls. I called again on XXXX XXXX and was told to wait 7 business days. I was told that all cases over 7 businesses days are investigated by the Chase investigation team by law. But it's clearly been well over a month and no investigation has been done. Each time I call I get a new case number. The following case numbers were provided to me in the past that I had asked for ( other cases were not provided because I did not ask for them specifically ) : Case ID # 1 : XXXX Case ID # 2 : XXXX # XXXX I believe Chase Travel rewards is deliberately prolonging this complaint period so that I will have no choice but to accept the cancellation fee or take the flight as scheduled. This is all false advertising. 

Employees also refuse to send me to provide me with direct contact with the dispute team, or refuse to connect with the dispute team that is investigating my case while I am hold on the other line. When I ask for the employee 's name and employee 's ID number so I can follow up since I can't contact the dispute team directly or be on hold while they contact the dispute team, the employee refuses to provide any information. 

In summary, they refuse to provide any proof that any internal investigation is being performed while prolonging the complaint period that has been going on for over a month. All I would like as a resolution is a cancellation of my flight ticket without the cancellation fee as advertised when I called the Chase Travel Rewards team prior to booking my ticket and when I viewed the cancellation policy on their website in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



DEPT OF EDUCATIONXXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2021-08-23
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:
I submitted 3 seperate disputes showing inaccurate information reporting to the three Bureau. This is a direct violation and I have even showed the proof of the actual violation. The company came back and said UPDATED and or VERIFIED. No information was changed and why would you state verified if I'm showing you the inaccuracy on the report. This information is causing me pain and suffering for there willingness to not do the right thing. Please delete the account 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 2023-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Experian XXXX times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a XXXX XXXXddress and I live in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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 Reporting act XXXXXXXX XXXX XXXX ACCT # 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach.

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.

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 2023-10-09
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all XXXX bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
YOUR COMPLAINT I requested XXXX XXXX XXXX immediately remove all reported late payments from my credit report as stated in 15 usc. 1681 ( a ) no transactions or experience between the consumer and creditor to be reported and furnished on my credit report. This is against federal law which over ride any company policy. Also the information on the late payments is inaccurate different lasts payment date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to get information that isnt mine removed. Im a victim of identity theft and yet this major bureau refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Atlantic Recovery Solutions LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 a voicemail had been left on my phone by a Mr. XXXX  telling me he was with ARS I was sent documentation 3 weeks ago, and either I, or my attorney, needed to call him immediately. I had never received any information from ARS or anyone like them. Within a few minutes, I received a message from my dad that he was contacted by the same person. Then my brother. Then my wife. Then my grandpa. Mr. XXXX  called and left voicemails for me and 4 family members within, literally, 5 minutes. This is without any notice provided or even giving me a chance to respond to them.

After trying to reach out and figure out what this was about, I finally heard back from Mr. XXXX  on XX/XX/2019. He gave a very brief, quick rundown of the debt he was trying to collect and said that if this was not taken care of immediately, litigation would proceed. I let him know that I had still not seen any documentation about the claim. Mr. XXXX said the debt was around {$500.00}, but I could pay 65 % of that today, or break it into 3 payments of {$160.00}. I told Mr. XXXX  that I would not decide until I see documentation about this debt. Mr. XXXX  hung up on me. A few hours later, Mr. XXXX  called back and said it was emailed. I never received an email. Mr. XXXX  said, What do you want to do? I informed Mr. XXXX that I would not discuss this debt until I see documentation and verification about it. Again, Mr. XXXX hung up on me.

For a company/person that was so enthusiastic to call anybody that shared my last name, Mr. XXXX and ARS ( Atlantic Recovery Solutions ) did not have everything in order, and completed what was equivalent to a smear campaign against me with my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CRED Technologies dba cred.ai
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the XXXX of XXXX XXXX, I was informed via email about the closure of my cred.ai account. In pursuit of clarification, I promptly sent four emails that very day. On the subsequent day, the XXXX of XXXX, I dispatched a formal email, explicitly requesting a response within a 24-hour window. Regrettably, I received no correspondence in return. After the stipulated time had passed, I issued a follow-up email detailing my intentions going forward, which also went unanswered. 

Subsequently, I lodged an official complaint with the XXXX XXXX XXXX ( XXXX ). After a fortnight, they replied, claiming to have sent an email on the XXXX of XXXXXXXX XXXX However, I have no record of such communication. While they suggested I could seek information via a phone call, I emphasized, through the XXXX  my preference for a written explanation. As of now, I am yet to receive any form of communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate.

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I think it was about XXXX thru XXXX. I had a checking account and a savings account. I'm a vet and was getting a XXXX check from the government, most would go to my checking and I would have a certain amount go to my savings. I started noticing that my numbers were not adding up right. I moved some money from savings to checking a few times because of some family issues. I noticed that they started charging for moving my money and it was very high amounts. Once I had to get some medications and I knew it was going to take about everything I had in my checking account, so I moved XXXX from savings to checking so I wouldn't get an overdraft fee. The next morning I checked my account and they had charged me over XXXX dollars just for that one transaction, it kept happening over and over. I lost over a XXXX dollars before I could get my account closed down. I was never reimbursed for the ungodly amounts they were charging me for simple transactions.

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 2019-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank mailed me an offer letter to open a checking account with a {$500.00} balance maintained for 60 days, to receive a {$250.00} cash bonus after 60 days. ( See attached letter. ) I opened an account with this bank on XX/XX/2019, with a {$500.00} balance maintained for 106 days as of today. 
Bank has failed to fulfill their promissory offer, as of today 's date, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All 3 credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all 3 credit reporting companies, XXXX, Equifax and XXXX to be removed asap! I have supporting documents that's been mailed certified to all 3 companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i check my credit report and notice a debt from paramount recovery systems reporting a alleged debt of XXXX that i don't owe.on XX/XX/2021, i submitted a letter disputing the validity of the debt, as well as requesting other documentation for the alleged debt.as of XX/XX/2021, i have not receive anything from PARAMOUNT RECOVERY SYSTEMS.i need your assistance in this matter in removing this inaccurate information from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX payment history is reporting inconsistently. 

XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Transunion says late '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