BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: NJ
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 should be owed 7000 to 8000 points for my Chase Sapphire Preferred Anniversary Bonus. I had the card for over 1 year, and then I did a product change to a Chase Sapphire Reserve. 

However I was told that I was not eligible for the Anniversary Bonus because I no longer had the card during the benefit period. This is not listed in your Terms and Conditions as described here, on page 2 : https : //static.chasecdn.com/content/dam/card/rulesregulations/en/RPA0444_0477.pdf " To qualify for the 10 % anniversary points bonus each account anniversary year, your account must be open and not in default, as defined in your Cardmember Agreement, at the time of fulfillment. '' I fulfilled the requirements as stated. My credit account was not closed, not in default, and in good standing. 

I am a loyal customer and insulted that I am being nickeled and dimed over this. 

I advise you to update your terms and conditions if you want to continue screwing over customers like this. I am strongly considering moving all of my assets to different institution pending the action of this complaint. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone is going to different stores and trying to open up credit cards with my information. I went to XXXX XXXX yesterday and only looked at a tool box and got a email that I was denied credit I never applied

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 2021-07-07
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern ; While checking my credit, I came across an account that states " it is closed ''. I called the Company, the first woman told me the " account '' has been sold to XXXX XXXX XXXX She transferred me over. I spoke to a woman on XXXX XXXXXXXX XXXX, she got a new address from me and said she would mail me a letter with information in regards to this account. She did keep repeating that the account was open and I owed {$980.00}, but the she also mentioned the account was for {$750.00}. 

I called Discover Bank and XXXX on XX/XX/2021 around XXXX. 

I have yet received any information in regards to these accounts. 

I called discover bank again today, XX/XX/XXXX, the Woman I spoke to was XXXX " XXXX ''. She mentioned they do not do reference numbers. I asked if she'd be able to sent me anything in regards to this account that they say is mine. XXXX mentioned they do not do that and that I can ask over at XXXX XXXX XXXX 

It has been well over a month, and yet I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: AL
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:
After looking over my credit report, I noticed inquires that I knew nothing about. I mailed Equifax a letter on XX/XX/2021 asking them to investigate these inquires. They mailed me back a letter stating they are factual. I tried to call to find out how and was not able to speak with someone and was given a fax number through their auto system. I faxed them a letter on XX/XX/2021 asking how these inquires where verified. I received another letter from them stating it was factual but no information as to how it was verified. I called again and was not able to speak with someone and was given a fax number. I faxed in another letter asking them to please inform me on how these inquires were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the past l signed up for Banks because l needed a bank but didnt have the money for it then my XXXX XXXX XXXXXXXX got hacked and cancelled so i thought l was good but l cant keep an account open because of it and Im losing money. I need to get this handled because something that wasnt my fault is messing up me now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: IN
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 submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a replacement vehicle through XXXX XXXX in XXXX of XXXX for XXXX. Vehicle had check engine light on and I brought it back twice as I had 30 day warranty. I was told both times that it was a fuse that caused back lights/brake lights to malfunction and cause the check engine light to stay on. Fuse was replaced but check engine light stayed on. Car was not running properly and overheating. I brought the car back within the 30 days and the car stopped overheating for a few weeks and the check engine light never went away staying on since I the day XXXX bought it. The car started overheating and I was forced to take it to different mechanics in XXXX, XXXX, until I took it to a XXXX XXXX dealership and was advised that to repair the car it would cost more than XXXX and I couldnt afford to pay that. Throughout this time I placed numerous calls to XXXX and fell behind immediately on payments due every 2 weeks due to repairs done by non XXXX mechanics. The mechanic that looked at my car twice at the location I purchased it from was not a mechanic he detailed cars that were bought at auctions and sold to consumers like me that due to a divorce destroying my credit. I was told that I had purchased a warranty when I call to surrender the vehicle due to it breaking down and repair costs were over XXXX, but I couldnt use it because I was over the mileage by XXXX miles. I was also told that I financed this warranty that cost over XXXX. I was shocked and called the location I purchased it from to ask the manager about it and he told me that he would get back with me and never did. Before I purchased this vehicle Id purchased a XXXX that unfortunately was totaled due to a car accident and I came back to them due to the first experience purchasing a vehicle from them. 
As of today they continue to report on a monthly basis false information such as balance, term, balance due when the car was sold and they charged off account. The information provided to XXXX XXXX and XXXX  do not match and Ive disputed the inaccuracies with all 3 credit bureau and when I called to get a copy of the agreement I was told that due to XXXX being bought out by Bridgecrest they couldnt find it. I continued to dispute the inaccuracies for 6 yrs and after reviewing the updated information I called Bridgecrest again today to ask why they continue to report incorrect information and advised that I would be contacting the credit agencies to advise on their abusive tactics and that they refuse to provide me any documentation or agreement and their response was verbatim prove it and call was terminated. I dont know what to do and feel that this has gone on for way to long and I should have some sort of right to defend myself and my credit from their abusive in house financing which they say this will never go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CO
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:
Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from Equifax, XXXX, and XXXX have been met with deafening silence. In a world where XXXX XXXX is XXXX, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company capio sold bill too and Capio was PAID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting harassed by Ally Financial saying that I owe money for a XXXX XXXXXXXX. Then after I talk to them they call my other and ask for one of my sons. I have asked them to stop and they just keep calling

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 2023-02-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ incorrect item on my account ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX k 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 2022-10-13
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: NY
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 was a victim of a fraud I mailed the identity theft report with a copy of my identification to all companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: PA
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:
My XXXX  credit report shows a charged off amount. It currently shows I owe {$290.00} to ComenityCB/XXXX. I've contacted XXXX, who states I have no balance. I was given to the collections that advised me my account was sent to another agency, but he couldn't tell me who. He transferred me to the number, they are no longer taking calls. He offered to take the payment to remove it from my report. However, would not allow me to mail a check, an would not email me or mail me a statement. Also told me he didn't have the capability to remove it from my credit report. I consolidated my debt with XXXX XXXX  and a check was issued to XXXX for the {$290.00}, with the information showing it was cashed. ( I'll attach a copy ) I've disputed this with XXXX  3 times. 
Can you please help? I really feel I was being taking for a ride. The recovery specialist 's name was XXXX XXXX. His phone is XXXX Ext XXXX. The agency he was transferring me to that doesn't accept calls XXXX, then he tried another one XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 information incorrect

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : XXXX U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2023-12-13
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am an XXXX XXXX XXXX in the XXXX. I recently sold my property, the property closed on XXXX XX/XX/2023 ; Cross Country Mortage ; the lender was to issue me an escrow refund in the approximate amount of {$5600.00} and some change. I was not aware of this until I actually contacted XXXX XXXX for another issue. Cross Country informed me they sent me the escrow check on XXXX XX/XX/2023. I currently have mail forwarding to my new address and did not receive the check. I called them back approximately on XXXX XX/XX/2023, and updated my address with them so they would reissue the check to my new address. Cross Country informed me it could take XXXX weeks to reissue the check. I still have not received my money, I called Cross Country mortgage on XXXX XXXX XXXXCross Country told me they had not reissued the check as of yet and it would take 30-90 days to reissue the check. I just moved across the entire country that is not a cheap move, I need this money in a timely manner. I believe they are not going to send me my money in timely manner. I have never missed a mortgage payment and they are sitting on my money accruing interest. They will not send my check with a tracking number at all, they stated they send all checks regular mail.

Company response to consumer: Closed with explanation