BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: TN
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:
A few months ago I received a Chase Sapphire Reserve card from Chase. The initial offer said that I would receive XXXX points after spending a certain amount within the first 3 months of having the card. It also states that for Sapphire Reserve members, each point that is used towards travel booked through the Chase site is worth 1.5 times  the actual points in my rewards account. 

Approximately three weeks ago I attempted to use my points to book a flight for XX/XX/2019. When I got to the purchase page on the site, it didn't allow my card to go through. I called Chase Travel directly to try and book the flight, they also couldn't purchase it and claimed there was a problem with their computer system. They didn't offer a timeline for it being fixed, and I submitted a claim, claim number XXXX. They said I would receive a follow up contact regarding my claim, which I never did, and when I called back days later they had no claim in their system matching that number or related to my card For the past three weeks I have continuously tried to use the site to use my rewards only for an error to pop up each time. I tried again to book a flight through Chase today, only to receive an error message saying the Chase travel site was unable to load. I called Chase travel and they told me there was a red flag on my account stating that my card was not a card eligible for travel rewards. They transferred me to the rewards department, who told me that there was no such red flag on my account, then transferred me back to travel who stated that there was nothing that they could do and no other department they could contact to resolve the claim. 

The flight I'm trying to book is a family trip, but I have to purchase my wife and son 's tickets separately. Since the time I've started trying to use MY rewards, that trip has gone up in price approximately {$1200.00}. No one from Chase has returned any of the calls from my claims or offered an alternative solution, and I have over XXXX points through their system that I am unable to use with no one willing to help resolve the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
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 mailed certified letters to Equifax, XXXX and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-12-14
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After working so hard building my credits history throughout the years. I have some of my pay off credits account closed by creditors, due to the accounts not being active, without my consent. 
Due to the creditors closing my accounts that have been paid off in full, I the consumer will lose all the payment history and credits records. I want to know what are my options in this case as a Consumer? 
Due to long term of unemployment or being underpay, its became harder and harder for me as a consumer to keep up with my regular monthly payments. By doing so, I am going to find myself into the following issues : Without having a job and paying my landers I will be sued by creditors, Banks, and negative information will be reported to the credit bureau. And If I am a renter I will be evicted from my apartment. And If I am a home owner, I will lose my home and facing the harassments from the banks and going into foreclosure. 
I the consumer will have a harder time to buy, rent, or get an approval for a new credit cards in future due to negative reports. In America we can pay our Monthly bills only if we are working. Since XX/XX/2008, Most us In the United States of America, have no jobs, or we are working but underpay. 
So, My question is Do we need credits reports to be better citizens in this country? 
If so, Why the consumers, are the victims on borrowing, being scams, and poor credits rating. Despites of paying your bills in past?

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 2022-12-04
Company: Experian Information Solutions Inc.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Experian didn't properly verify the items on my report and I didn't receive the original consumer contract with my signature on it. By law these unverifiable items must be removed 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 2023-04-27
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 belongs to someone else

Complaint:
This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2022-05-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Some one attempted to deposit a check in my Truist mobile banking from Texas that I dont know anything about I live in XXXX and I didnt authorize any deposit. As of right know the account is closed but the bank is saying that Im responsible for the XXXX negative balance. Ive reported it to the fraud department.

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 2019-08-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Credit Card primary user information was changed to an out of State address without consent or knowledge of owner resulting in refused repeat transaction with a vendor. 

Financial institution was contacted in person the following day to initiate a fraud investigation. Account activity monitoring was initiated and credit card was cancelled. 

Financial institution replaced the credit card a week later with a new account number and continues to monitor account activity. The period report on activity is pending to determine if any fraudulent transactions were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. 

You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. 
I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. 

XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings.

I was never served on this account, you are wrong court shows that I was never served I have proof you wrong.

We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent
you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. 

You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX  XXXX Ending in XXXX. 



Send me the cancellation letter via Consumer Financial Protection Bureau for my security. 

Within 7 business days. 



Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I had money transferred from a savings account into my checking account at Chase Bank in the amount of XXXX and then withdrawn from my checking account for the same amount without my authorization via a debit card sent to a person in a different state that I don't reside in. This is is identity theft. He had a debit card sent to him under my account again without my authorization. I personally have this person 's email account, the address the card was delivered to and his email address. He also changed my contact phone number to his. I filed claims with Chase Bank and told I must have given out my PIN number to someone in Michigan, " REALLY '' ..Sent letters to Chase 's XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. They ( Chase ) do not call me or email any correspondence. The associate in the bank I deal with calls it fraud. If that's the case why can't I get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XXXX XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: SC
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 have a payment confirmation receipt from a debt collector, yet Experian Rent Bureau refuses to remove the paid balance from my Rent Bureau report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2022 and XX/XX/2022, I sent EQUifax a request to reinvestigate incorrect items which were listed in my credit history report. There was a collection for XXXX no orginal creditor listed just XXXX. I asked for verification and reinvestigation. They updated comments saying that i dispute the account but nothing was corrected. I also reached out to the collection agency and recieved nothing back. I contacted them twice. Please note that i sent mail to XXXX certified becuase i didnt get a response. The traccking number with XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Good day : The CFPB option, ''-which best describes your dilemma? '' provided is not adequate ; describing the reason, the name of my complaint against Citibank. H I have two accounts ; Money Market. Acct. number XXXX XXXX XXXX Checking Acct. number XXXX XXXX XXXX. 

Personal Banker. XXXX XXXX, Personal Banker. 
Citibank, NA. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX and her branch mgr stated I could not have POD 's on my accounts. 
Instead, they would be held in trust in the event I die. NONSENSE! 

The purpose of establish an account with a POD is to provide my son with immediate access to the money when I die. 

By leaving the two accounts in trust, the monies would conceivably be tied up for years before there was a decision made by the Judge / the Court. 
NONSENSE! Total investment ; {$15000.00}. 

This is OUTRAGEOUS! INVESTIGATE. This is a SELFISH ACT. 
TAKE ACTION IF MY UNDERSTANDING OF this dilemma is correct. 

Do respond one way or another. Thanks. 

XXXX XXXX. Ph. # XXXX XXXX. 
Screen name. XXXX XXXX XXXX XXXX, XXXX XXXX FL 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