BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/XXXX I was truing to book a flight through Chase Travel Rewards ( i have a XXXX preferred credit card ). I kept on receiving an error message " Error.Booking.Result.EngineError.183 '' and was not able to book my flight. After calling Chase travel rewards and having them try to book the flight for me over the phone, they said they were experiencing the same error. 

After being on the phone for more than 2 hours and being passed back and forth between different departments no one at Chase was able to determine what the cause of the issue was and told me to just try again tomorrow. When I looked at the flight the next day ( XX/XX/XXXX ) the price had increased from {$580.00} to {$770.00}. And I was still unable to book the flight without the same error coming up. 

After calling back and trying to book the flight Chase was still not able to book the flight, even at the increased price. They were not willing to work with me in anyway to potentially allow me to lock in a price for the flight while they " continued to look into the matter ''. 

So now I am in the situation where I pay a yearly fee of {$95.00} for this credit card and its rewards, but am not actually able to use the rewards for anything. And the reason for that is a failure in the Chase system that no one is willing to address. 

Please note that this is not the first time I have experienced this issue, as it has been an ongoing issue since over the summer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and TransUnion closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXX XXXXXXXX XXXX  ( XXXX account # XXXX ) ( TransUnion account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with TransUnion on XX/XX/XXXX and with XXXX on XX/XX/XXXX. TransUnion closed its dispute on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 1st time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

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 2018-12-28
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Vehicle was purchased on XX/XX/XXXX and first repair was on XX/XX/XXXX mileage was under 12k. We have been to the dealership 4+ times to fix the issue XX/XX/XXXX we went into the dealership for an oil change they found a leak which the could not find the issue first said it was the transmission leaking then they said was a leak in the oil line kept car for a month finally replaced the transmission case. Car was said was fixed. We brought car back in XX/XX/XXXX for a noise which car started to vibrate GM got involved and had them run a test which now the said it needed new breaks which they replaced. Brought the car back in on XX/XX/XXXX for the same noise and dealership could not find the problem again they contacted GM again  as I did and updated of my issues and they said they cant find the issue but could here the noise brought car back in again 6 days ago and still cant find the issue GM said to run the XXXX again which was completed and still no resolution now the car sensors are going crazy. Dealership has tested everything and cant find the cause of it could be transfer case again not sure. This is a new car and we have had so many issues its has been in the dealership for over 60 days looking to get out of this lease and get into a new car I'm pregnant we have XXXX kids already and not feeling safe in the car. We have been complaining to XXXX and GM FOR MONTHS to help us get out of this car. As you can see the car has issues was going to file this car as a lemon with the lemon law because I have all the docs to prove and times I have been in the dealership. Need help on getting this resolved as we are not feeling safe in the car as GM and XXXX have been fixing the same issue and car is still not fixed.. The car is again at the dealership and we have no updates and GM is saying we cant repurchase because its still under warranty which hi have an email from GM saying this.. The car has been in 4+ times on the same  issue and GM is not helping to replace this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a check from a loan from my XXXX to with my bank 's ( Wells Fargo ) ATM machine. On XX/XX/2022, those funds showed as " available '' on my account. I was notified on XX/XX/2022 that those funds were now on hold for the next 8 days. Upon calling Wells Fargo on XX/XX/XXXX, I was informed that I needed to call the " maker of the check '' and would release the hold. I called the maker of the check, XXXX XXXX who confirmed and verified that the funds were processed and the check cleared through their bank, XXXX XXXX XXXX on XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX inquiring why there was still a hold on the funds when after I did what was asked of me on XX/XX/2022. The call was escalated and the next level representative hung up on me. After calling back on XX/XX/XXXX, the only thing that could be told by the representative was " regulation cc ''. No further information or injury was given. Upon further research into XXXX XXXX, it is stated that after XXXX business days, at least {$4000.00} is to be made available. This was not the case. On XX/XX/XXXX, I went into Wells Fargo and spoke with a banker, who had to call the back office and then conference call in XXXX XXXX to confirm the check and state that it had been cleared, only then were the funds released. This is not the information that was given to me on the phone call I had with the Wells Fargo Representative on XX/XX/XXXX, and the information I was given was incorrect. I explained to the banker on XX/XX/XXXX that the information was incorrect that I was given when initially I called on XX/XX/XXXX and this could have been fixed that day, had the correct information been given. However further investigation into XXXX XXXX, states that on the XXXX business day, funds must be made available and as this was not the case, and was not made the case until I had to go into the bank and figure out the problem which Wells Fargo should have done in the first place. It was not my responsibility to call the maker of the check, but Wells Fargo.

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 2021-09-28
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: Account information incorrect

Complaint:
The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED XXXX REGARDING THE UPDATES. ITS INACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation. 

.

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 2023-07-27
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied to the Ulta Rewards Credit Card in store while shopping one day ( fell for the employee contest and figured it wouldnt hurt ). Only used it for that single purchase ( giving the card a balance of less than {$100.00} ), and didnt plan on using it often after this. I missed an initial payment, was charged the late fee, justifiably, but called and told the representative to pay the entire balance over the phone. I was told it was done, and took her word. Time passes and I finally had a chance to catch up on things that slipped through. Saw that I had an account negatively impacting my credit, and its this account that should have been closed months prior to this. The only balance on the card is late fees that are being continuously stacked on one another, which is not only absurd due to the process of charging late fees for late fees ( that shouldnt have even been charged to begin with ), but it is also impacting my credit score to my detriment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We only began receiving paper PNC mortgage statements XX/XX/2021, although PNC began withdrawing payments from our account on XX/XX/2021 and XX/XX/2021. 
The XX/XX/2021 statement reflected withdraws on XX/XX/2021, XX/XX/2021, and XX/XX/2021. 
We are concerned that the XX/XX/2021 and the XX/XX/2021 payments have not been deducted from our mortgage loan amount. 
We have tried calling the XXXX number repeatedly, but it rings and rings - NO ANSWER, no greeting, nothing. 
We tried the XXXX number, but it addresses " voice-mail/on line '' banking. 
We researched and found a couple of branches, one of which was just an ATM. 
We called the XXXX, Ohio branch and was referred XXXX XXXX, a mortgage loan officer.

On or about XX/XX/2021, we called his number XXXX and left a message requesting help. No response. 
PNC makes it very difficult/impossible to speak to someone in person to address concerns. Instead PNC focuses on online business- we would say, based on our experience, to the exclusion of actual real-person interaction. 
We would appreciate help to resolve our dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
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 need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MI
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : ACCOUNT # XXXX, has violated my rights. 

I Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. 

15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

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

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 2023-01-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about the XXXX week of XXXX, Synchrony Bank charged me my full credit balance with them. This withdrew around XXXX $ from my bank account. I did not authorize this transaction. My account was set to only pay the minimum balance ( around XXXX $ I think ). I called synchrony to fix this issue but they said that it was my fault and the best they could do was issue a check in the mail that XXXX arrive in up to XXXX weeks. 
This was the week before XXXX. The {$3000.00} they pulled from my account was all I had to feed my family of XXXX. I disputed the transaction with my Checking account bank ( XXXX ) who took up my case and was able to get me my money returned minus the minimum payment to synchrony that I HAD authorized. 
Fast forward to the XXXX or XXXX week of XXXX. I saw that synchrony had double charged my account for the refund I made causing me to look as if I had been refunded twice the amount that I was. 
I called synchrony once again and they told me it was because they had mailed me a check for that amount a month before and they were expecting me to deposit it back into that account. I have never received that check and told the synchrony representative as much. The representative told me they would cancel the check and credit my account for the money that the check was supposed to pay out. He said the transaction would take about XXXX to XXXX weeks for the refund to hit my account and that they were going to refer what happened to their investigations department in a manner that seemed they were implying I was being dishonest with them. XXXX weeks came on XXXX. I called synchrony on XXXX and after fighting their service line for over an hour I finally was able to speak with somebody who sounded like she could answer questions. 
She looked into my case and said it was going to be another XXXX business days before I would see my refund. After dealing with this company and XXXX collective hours on the phone with them, I do not trust that they are being honest or conducting fair business practices. I am opening this report because I do not have confidence that synchrony will return the money they are not entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MI
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:
On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation 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 is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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:
Transunion, XXXX, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX XXXX with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).

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