BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed numerous disputes over the past several years. Equifax continues to report a bankruptcy XXXX US Bankruptcy court XXXX CA on my file. I have provided documentation from the court that appears on my file. I have contacted the supplier of this information given to me by Equifax. The bottom line is Equifax is the only credit bureau reporting this inaccurate unverifiable public record. I have complained to the so-called provider about this information and have been told they have not verified or supplied Equifax with this information. Equifax has reported this inaccurate data on my file for over 7 years without any facts. I have asked them to supply me with a copy of the public record but they refuse. This inaccurate information has affected me financially. I have not been able to get the best rates on financial loans or credits. I have been denied because of this inaccurate information. I am not able to achieve home ownership because of the effect it has on my credit score. The FCRA states that disputed items be verified. If XXXX XXXX states they have not verified or provided any information. If the alleged court does not provide information directly to Equifax, how can it put this on my file but provide no factual proof? This is in violation of the FCRA. This is unethical and spiteful behavior by a company that is supposed to be a furnisher of truthful and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NY
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX # XXXX, and Account XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.

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 2022-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a wire transfer last Friday, XX/XX/XXXX for money which was an escrow distribution for a sale of a business. Chase Bank has refused to make these funds available in my account as of Wednesday, XX/XX/XXXX. The reason they give is that the payment is outside the normal pattern for the beneficiary and is therefore considered suspicious. This is not true because the account involved was created solely to receive wire transfers from a business sale which took place XX/XX/XXXX. I have submitted two messages to Chase only to be told no wire transfer was pending which is not true. I have emailed the Escrow Distribution Agreement showing that I am due exactly the amount of the wire transfer to XXXX XXXX XXXX at Chase Bank. XXXX is the bank representative for the Chase XXXX XXXX XXXX  and works at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe around {$10000.00} to Chase, and am in a debt resolution program with XXXX XXXX XXXX. I provided Chase the number to XXXX XXXX XXXX, and was told not to have any further contact with Chase representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I  have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by Chase. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
This complaint is in regards to American Express and their Delta Skymiles Reserve Card. 

They claim to have a benefit for TSA PreCheck ( below is the post from the AMEX website ) : " Application Fee Credit for Global Entry or TSA PreCheck Receive either a {$100.00} statement credit for Global Entry or a credit of up to {$85.00} for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express Card first. 

The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card MembersXXXX XXXX XXXX XXXX XXXXXXXX American Express Card Members. 

Additional Card Members on Consumer and Business Platinum and XXXX accounts also receive the benefit when the Global Entry or TSA PreCheck application fee is charged to their eligible Card. 

For XXXX XXXX XXXX XXXX, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card either the Basic Card Member or the Additional Card Member ( s ) on the same account can receive the benefit when charged to their eligible Card. The first application fee charged to the eligible American Express Card will receive the credit. Please note, there is only one ( 1 ) statement credit in a 4- year period for Global Entry or in a 4.5 year for TSA PreCheck available per Card account. '' - I have transactions on XX/XX/XXXX whereby me and my wife paid for TSA PreCheck at a preferred TSA.gov  company ( XXXX ) and charged these fees on our AMEX Delta Skyline Reserve Cards.

- I was told by one online AMEX support associate that XXXX was not a company they reimburse these fees for. Was then disconnected from the chat session with this associate. 
- After reconnecting with the AMEX support, I was also told by another AMEX support associate that they did not cover but ONE reimbursement of fees but the disclosure says the primary cardholder AND the additional card members.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Westcreek Financial
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a furniture loan on XX/XX/2019. I financed around {$3000.00}. The same as cash loan was for 100 days. If you don't pay the loan off in 100 days, the fee is 105 % of the original loan. This is one of the worst finance companies I have ever seen as far as usury. 

They KNOW that most people can not pay {$3000.00} or whatever they're financing in 100 days then the lease fee kicks in. So I financed the {$3000.00} and I'm paying well over {$6400.00} to pay it off. This is more than TWICE what I financed.

I have been paying this loyally every two weeks and I'm pretty sure I've paid the original amount back and now in the process of paying the high lease fee payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to but property and was denied due to unverified public records on my report and a XXXX charge off. I sent several certified letters made calls and no cooperation from credit bureau to show proof of verification. This is defamation to my character and I want all fraudulent accounts 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 non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: MO
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:
Im 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 u.s.c 1681 Account name XXXX  Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXX Account name XXXX  Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name Us XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 
15 U.C.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years 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 to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include section 1681s3 of this title THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account ( s ) ( A ) subject to, any ( i ) report containing information solely as to, or ; experiences between the consumer and the person making the report transactions. A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was XXXX on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a credit card with XXXX for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with Gap. 

We used to live in XXXX  until XXXX of 2020. After we moved to XXXX  one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with XXXX and my husband, XXXX XXXX, and I were considered " Private Clients '' of XXXX. After this event our Private Banker at XXXX did not respond to my phone calls. Later, we were told that a partner of XXXX had problems with us. Eventually, we figured out that this it was Gap 's Synchrony bank. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.

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 2022-11-28
Company: Bread Financial Holdings, Inc.
State: NY
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:
I signed up for the XXXX XXXX XXXX, administered by XXXX, directly from the XXXX XXXX XXXX website when they were offering a promotion. My application was approved on or within a week before XXXX XXXX. The promotion was that I would receive {$100.00} for opening the account and an additional {$50.00} for spending {$500.00} within a specified timeframe of 60 days. I met both requirements but did not receive the bonus. It has been more than 60 days past meeting the bonus requirements, and over 100 days since the account was opened. The original timeframe did not have a schedule on it of when it would be released, but from previous offers with other credit card issues, that seems to be the standard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Equifax sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 this company SETF/WOFC contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$8800.00} that they will pursue other actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/XXXX for a XXXX it was a XXXX gift so the item wasnt able to be used until XXXX XXXX. The item never worked when we tried to crank it up and found out the chain latch was broken on it. I tried reaching out to the seller and they never responded or tried to repair it. I reached out to Amex and wad was never contacted me even though I reach out to speak to the person who was handling my claim to be able to send them a video of the item. They denied my claim saying merchant provided proof the item was under warranty until XXXX XXXX but what hood is a warranty of the merchant refused my calls or didnt honor the warranty

Company response to consumer: Closed with explanation