BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: JPMORGAN CHASE & CO.
State: NC
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:
XX/XX/2021 - I got a credit from " Chase XXXX Marriot '' with the promise that every single point received from my purchases would be transferred to my Marriot XXXX, where I could convert the points into stays at any Marriot or affiliated hotel or resort. More than one year has passed. I earned XXXX points in the past years from the Chase credit card, which was never transferred to the Marriot XXXX account # XXXX ( that shows just and still XXXX points ). Several attempts by calling customer service to both companies to fix that was made, with no success. I just want the points to be transferred so I can redeem the points on Marriot XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously had 2 different mortgages on two residential properties ( in 2 different CA counties, XXXX County & XXXX County ) serviced by Bank of America. Both loans were over 7 years old as of XXXX. Neither loan had impounds /escrow accounts as I paid my own taxes and insurance on both. Neither account has ever been late or delinquent. I sold one property in XXXX County in mid XXXX and the BofA loan was paid off and closed. BofA has now started adding a past due amount into an escrow account for my existing loan and property in XXXX County without explanations, letters, claims etc. I called in XXXX of XXXX and the CS representative agreed and requested internally for it to be corrected. I asked that a letter of explanation be sent and they agreed. No letter was ever sent or received and this was confirmed by BofA now in XXXX. The thousands of dollars they claim I owe ( {$2400.00} ) them has not been corrected. I called again XXXX and was told that my request from XXXX was rejected. No letter was ever sent per BofA CS rep. I was also told that there was now ANOTHER charge of {$6600.00} placed onto my escrow account for property taxes paid to XXXX County on XXXX. Again, I sold the XXXX County property, without any delinquent or past due amounts or judgements, around XX/XX/XXXX. I am very concerned that BofA now claims I owe them over {$9000.00} and they refuse to provide any documentation, send letters of explanations, or correct the problem.

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 2022-11-03
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
XX/XX/XXXX, XXXX While purchasing tickets on XXXX XXXXXXXX XXXX website, I received an advertisement for an American Express card with XXXX miles and a {$400.00} statement credit. I applied for the card by clicking on that link and was approved. 

On XX/XX/XXXX, XXXX I asked American Express about the statement credit using the chat feature on their website. They told me that it was not part of the welcome offer but that they would open an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 antedates 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 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MA
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 am writing to bring to your attention a dispute with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies. To date, I have not received a response from them. Please find the details of the disputed information and the necessary corrections below : The account under the name " XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) was never late. I kindly request that Equifax removes the late payment from this account. 


The account under the name " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$240.00} ) was never late. I request Equifax to correct and update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: AR
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 accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX  - # XXXX 5. XXXX - # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-02-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy. 

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an auto loan account ( XXXX ) in XXXX because it randomly appeared on my credit. Experian stated that XXXX responded that they certify the account belongs to me. 
I asked Experian to send me any documents that XXXX sent but I havent received anything. I called XXXX customer relations department on XX/XX/XXXX to get the information that Experian cant seem to provide. I explained to the representative at XXXX customer relations that a delinquent auto loan account appeared on my credit over a month ago. I provided my email and was told someone would look into the situation. I received a call back a few days later and the representative told me I needed to reach out to XXXX credit department. They would be the department to dispute any fraudulent accounts. After finally getting a hold of someone I explained the same situation about an auto loan account appeared on my Experian Credit Report that wasnt mine. I provided my name and last XXXX of my social and even the fist few digits of the account number that appeared on my credit report. On XXXX recorded line the representative stated that she didnt seem any auto loan under my information. I volunteered my full social just in case someone else shared the same last XXXX digits of my social. She then put me on hold and the told me all she saw was inquiries but no account. I was told that they cant dispute the inquiries. I was told I would receive a fraud form to my email in which I never received. I also explained to her that I had previously disputed the account and told the representative that Experian results stated that XXXX said they certified it was correct. The XXXX representative in the credit department denied claims that they told Experian that it was my account because she said based of the information it XXXX would have deleted the account. So now there is a bigger issue. Either Experian is not actually disputing the account or XXXX doesnt want to take responsibility. This is defamation and violation of the FCRA. This has hurt my credit. I mentioned to the XXXX rep in the credit department that is pending dispute again and she stated she didnt see a dispute. But on my credit report it is being disputed. So now one can seem to verify this debt by sending me actual documents.

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 2022-11-03
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the week of XX/XX/XXXX I received a phone call from the CBE group requesting identifying information from me. I explained to the representative that I was unable to provide information as I was at work and sit in a communal office. I requested she not contact me until after XXXX, where I would be in a secure location and be able to provide personal information. 

I received over a dozen calls between XX/XX/XXXX and XX/XX/XXXX between the hours of XXXX - XXXX, of which I was unable to answer due to being at work. I was able to answer 1 call on XX/XX/XXXX at XXXX. I confirmed with the gentleman that my account specified not to contact me prior to XXXX, and explained I was, again, in a communal office setting unable to provide identifying and personal information. 

The gentleman asked if I would like to be marked as " Do not contact '' to which I explicitly said " No '' and explained I would be more than willing to provide any necessary information after XXXX to a CBE representative. 

I received no calls after XX/XX/XXXX. I received a notice of " Potentially Negative Activity '' from my bank on XX/XX/XXXX notifying me that the CBE group placed a Major Derogatory on my credit report. I called CBE Group and spoke to an account representative, and she informed me that my account had been marked " Do Not Contact ''. 

I had received XXXX information regarding the alleged debt from the CBE Group and they refused to contact me during times in which I specified I would be willing and able to provide the required personal information to them prior to having my credit report flagged for an outstanding alleged debt. 

When I spoke with the representative on XX/XX/11 around XXXX I requested information be sent to my current address and asked for the major derogatory be removed from my credit report as they had not provided me with any information on the debt, continually contacted me during hours I specified I would not be available, and refused to contact me after XXXX. She explained they would contact the bank and have it removed- which has not been done. 
The major derogatory is still present on my account and negatively affecting my credit, specifically my credit score ( which has historically been very good ) has dropped XXXX points, and has not recovered since the major derogatory was placed on it. 

I have a complete recording of the entire phone call from XX/XX/XXXX and will provide if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: CT
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:
On XXXX XXXX I notice that there where some inaccurate information on my credit report in which I ask the credit bureau to check to make sure everything was completely accurate, modified or deleted if its not. On XXXX XXXX I got my result back and the information came back verified and completely accurate but I dont know how everything is completely accurate if there are things that arent accurate but I dont know maybe the credit union where have a bad day Im not sure how they did there investigate within less than 24 hours what did they actual do to verified this account. Could the cfpb find out because am not sure what they did.

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 2018-08-15
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX  and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX  because I suffer serious XXXX and didn't know for sure what the terms were. Can you please help me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 antedates 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 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