BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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:
On XX/XX/XXXX responding to an online welcome bonus offered by Chase Credit cards I applied for a Chase XXXXXXXX XXXX XXXX with a welcome bonus of XXXX points if you spent XXXX on purchases in the first 3 months from when your account is approved. Plus an additional XXXX points after you spend XXXX within the first 12 months if opening. My account was approved on XX/XX/XXXX and about 1 week later I received my card to use. I quickly spent over XXXX on the credit card. I received an email shortly afterwards congratulating me on reaching the goal and I would receive XXXX points since I spent XXXX on the account within 3 months. I immediately called Chase and informed them that I should be due XXXX as that I had applied online to receive XXXX offer not XXXX. They said they would Research and get back with me. On XX/XX/XXXX I received a letter stating " We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately, your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I called spoke with a supervisor and he said he would research this again. Yesterday XX/XX/XXXX I called and the supervisor said that there was nothing they could do but XXXX was all I would receive. BTW the XXXX offer I applied for was still online as of yesterday. I informed the supervisor I even had a picture of the offer and they should be able to research and see that I clicked on the XXXX offer and I did not even know a XXXX offer was available. This has harmed in 2 ways first I didn't receive to appropriate points for the offer they posted online and second I could have charged XXXX on another airline and in doing so received a free companion ticket on that other airline. Please help. I have been " Bait and switched " Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: TX
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:
In XXXX of XXXX, we got a Home Depot Credit Card to purchase XXXX refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with Home Depot Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now Home Depot Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of Home Depot Credit Card, we have asked several times to close our account, yet as of today XXXX XX/XX/XXXX XXXX, our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).

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 2022-09-28
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX, 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 Open Date XX/XX/2014 Balance : {$790.00}

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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother ) accts XXXX and business acct card XXXX XXXX XXXX ( brother ) XXXX, XXXX and XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX my brother ) also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had a loan with Santander consumer in XXXX and in XX/XX/XXXX my vehicle was stolen wrecked and damaged. The insurance company I had then XXXX contacted them got the settlement amount from what they had as blue book value and sent them a check. The same thing as my gap insurance done. They are mailing and calling now stating I still owe a balance which it was taken care of then. They have no proof to show that they didn't settle with my insurance company. I know they did because I had to give XXXX the okay when they came up with the total amount they emailed me the statement amount minus deductible, etc .... Then gap insurance was to cover the remaining balance after XXXX paid. Santander told me when I contacted them about it that, the gap insurance didn't pay the balance in full. Which I know they did! So now that I have called to complain they close the account on my credit file which hasn't been 7 years but it still shows closed with the balance they claim I owe. Then they stated they been collecting interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CT
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 contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE 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:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$26.00}

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 2022-11-21
Company: EQUIFAX, INC.
State: FL
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting a house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion

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 2021-05-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into the XXXX room back in 2018 and was fully insured. Under my insurance plan, the deductible had already been satisfied so the visit should either be covered or paid up to 80 % as per my XXXX XXXX XXXX at the time. 

I spoke with an ARS representative and said this information was correctly filed by XXXX XXXX XXXX XXXX but I still owed the full amount of my visit. The rep told me that I could not speak with them and I could only go through ARS to resolve this discrepancy. Since this was an error on XXXX XXXX XXXX XXXX, they should be held accountable for incorrectly filing the claim which has now impacted my credit score for over 3 years at this point. I estimate with the higher interest rates I have paid due to this having an adverse affecting my score is roughly $ 15,000-20,000. 

The only reason I was able to find this debt was due to me running a personal credit report to find out why my credit score won't change.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX # 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 2 : It also states a consumer reporting agency can not furnish an account with 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 2023-02-09
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I continue to get the runaround on XXXX from Mohela. Mohela and I agree that my last XXXX  was processed in XX/XX/2022, putting me over the XXXX required payments to qualify. We also agree that my account has reflected the correct XXXX payments since XXXX. However, Mohela reports that they have not sent my account for discharge under XXXX. When I ask why or when they will, they say they do not know. So we agree all requirements have been met and all paperwork is complete, but they have refused to even begin processing the discharge for months and claim it will take another XXXX business days after they " start the process. '' There is absolutely no reason to not process my completed PSLF but they can't tell me why they haven't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they just give me automatic answers, but I just remembered I could file a complain as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently for my freelance jobs as XXXX. My paypal email is XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2021-05-18
Company: United Shore Financial Services, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I used my banks online payment service to make an electronic payment from my checking account to United Wholesale Mortgage for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by United Wholesale mortgage that the payment was never received, so I paid my XXXX mortgage for a second time on XX/XX/2020, this time through my mortgage companys online system. After filing a dispute with my bank, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to United Wholesale Mortgage/XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX XXXX. My bank has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. I have subsequently tried to contact United Wholesale Mortgage using the phone number on the letter they sent, but they do not answer and have not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
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:
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 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate the Account XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: VA
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Charge Off

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 2021-05-18
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to purchase a 2nd home or vacation home. In doing so I sought out a pre approval through Rocket Morgage / Quicken loans. I applied for a pre approval in XXXX of XXXX and received an approval and was informed that I was good with a score near XXXX. I then updated the approval on 3 additional occasions attempting to be prepared if we found the correct home. I was never advised that these additional credit pulls could adversely affect my credit by the lender. On the fourth pull I was informed that I now had XXXX combined credit score below the lending limits. I was informed that this was because I had 1 late payment and late payments from XXXX were impacting my score. When I reviewed my credit report they provided it clearly states that the number of hard inquiries has adversely effected my score. Thus putting me in a denial status not only for them as lenders but many other lenders as well. Ive now lost out on a chance to buy my second home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Compass Recovery Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This compass recovery group is calling me several times a day and calling family members of mine claiming they are trying to resolve a legal matter. This company called me 4 times within a 10 minutes time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: MA
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:
Dear Sir or Madam, This is a complaint against Chase Bank XXXX credit card under Amazons Myrewardscard. 

I receive notices from Chase via text messaging and on XX/XX/XXXX. Chase indicated that they would pay my credit card payment that was due on XXXX XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I received the attached emails from Chase I had missed my payment. 

On XX/XX/XXXX I called Chase customer service and inform them that I had not made payment because of their offer to pay my XX/XX/XXXX payment. I was told by customer service that they had never heard of such a thing, and this wasnt something that Chase does for its customers as far as they knew. This was a customer service supervisor that made the statements. 

They said that they were unable to assess what messages were sent to me. They suggested I contact them via their secure messaging service and send the screenshot of the offer. I did this immediately. 

Their internal team confirmed that the text came from Chase. 

I wouldve expected this to resolve the issue and in doing so I would be XXXX XXXX wrong. As of today, I received the on going emails asking for payment and I was assessed a fee for not being on time. 

I did call customer service again and apparently ; they had no record of any of this information as they asked me to recite the issue and to pay my bill. I asked that the call be transferred to a customer service individual that functions as a supervisor. The transfer was made however this person apparently had no record of any of this occurring on their computer screen - this is not credible given that every call and communication is recorded documented in time stamped these are routine industry practices. 

Regrettably the stress of this got to me and I used a XXXX XXXX protected form of speech that was not used in a threatening, deeming, or insulting manner. I again explained everything to the individual who continued to seek clarity despite me giving a full accounting of the issue. Again, I apparently used the magic word, and she told me they were going to terminate the call at this point which she did with nothing being corrected. 

The old customer friendly approach Our way or the Highway.

Company response to consumer: Closed with explanation