BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Credit Karma, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I applied for a credit card from XXXX XXXX on the CreditKarmaXXXX website. I have an extremely high credit rating and they suggested that I apply for the credit card with excellent probability of getting accepted. They also advertise on TV and on their website that they guarantee {$50.00} if you get rejected. There are no particular conditions on why you get rejected. The application was one that was designated on the creditkarma website as guaranteed. It was very difficult to contact them but I did get a response and they told me that there was a specific process and I must follow each step closely or I would not get the money. They told me to wait for an email. I did not get an email and more than a month has passed. I now created a second ticket on their website. They responded immediately saying that it normally takes 10 days, but it has been 40 days! I am feeling that they are doing their best not to honor this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX EXPERIAN BUSINESS CRED 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Chase business checking account around XX/XX/XXXX. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my recurring subscriptions to use another checking account debit card at another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon researching, I discovered that Chase had not fully closed my account and instead had been charging monthly service fees fraudulently as well as allowing a debit transaction in the amount of {$8.00} on XX/XX/XXXX and an insufficient funds ( NSF ) fee for {$34.00} on the same date. I expected that if there were any online recurring subscriptions that they would be declined since the account was closed. 

On XX/XX/XXXX, I contacted Chase by phone to resolve the issue and I paid {$9.00} which included an additional debit transaction of {$0.00} on XX/XX/XXXX in order to settle the account. Chase had told me they would refund the monthly fees and the NSF fee which they did. They also confirmed the account was closed finally again, however that was not the truth as the next day ( XX/XX/XXXX ) there was another debit transaction which should have been declined and was not. Chase continued allowing the account to remain open and charged another NSF fee and monthly service fee. I have documented evidence that shows deception and fraud from Chase. I previously reported this in XX/XX/XXXX and was lied to in the last correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-25
Company: EQUIFAX, INC.
State: MO
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:
I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of 4 payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to correct these fraudulent and inaccurate accounts but the credit reporting agencies did not correct the fraudulent and inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CITIBANK, N.A.
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:
I applied, and received the Citi Premier card under a promotional offer of XXXX Thank you points after spending {$4000.00} on the card in 4 months.

After about 2 months after being approved for this card - I met this spending requirement, and waited several months for the bonus to post. After not receiving the bonus, I contacted customer support, and was told that I would not receive this bonus, as I had previously had a version of this card within the past 24 months.

Their terms and conditions state : " Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Citi Premier or Citi Prestige, or if you have closed any of these cards, in the past 24 months. '' After checking my records : I ( 1 ) Have not opened or closed a citi thank you credit card within the previous 24 months prior to meeting the promotional offer, and ( 2 ) Met the spending requirement per the terms and conditions - within the stated time frame of the promotional offer.

As such, I am entitled to receive the card member bonus that I was promised upon applying for the card. I would not have applied for this card in the absence of this bonus.

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 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$130.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed some fraudulent and inaccurate accounts and information on my credit report I reached out to the credit reporting agencies to correct the fraudulent and inaccurate information and they didn't correct the information

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 2020-09-08
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on your paid subscribers ( vendors ) platform. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report Police Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 
Kind regards, XXXX XXXX XXXX SSN : DOB :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 in the amount of {$180.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In a previous complaint, Case # XXXX, LexisNexis stated they had updated my file and sent me a resolution letter as well as an updated copy of my consumer file, satisfying their obligation under FCRA. 

However, in the letter they sent to you ( attached ), they stated they had ALREADY sent the file and letter to me. That letter to you was dated XX/XX/2019. 

In metro-XXXX area, a letter takes at most 2 days for delivery. They have my correct address listed on the letter to you. 

I believe LexisNexis is continuing to violate the FCRA unless you call them out on not doing what they said. I need that file for my records. 

Thank you for any and all help you may provide me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XXXX XXXXn the amount of {$270.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is a continuation of my complaint : XXXX. 
2 times my request for a recalculation of my IBR has been rejected, both because of my wife 's self-certifcation letter. The first letter we submitted used exactly the same language as a letter that was accepted last time we did this. Both times the letter was rejected, the initial email did not say what was wrong with it. I had to call back for that information. The first time the letter was rejected it was because we did not explicitly state that it was " gross '' monthly pay. They mentioned no other issues. We fixed that, and the second time it was because the letter doesn't explicitly say " XXXX '' -- it only said " XXXX XXXX XXXX XXXX. '' Both times we have responded very promptly with amended letters. Our last amended letter was submitted on XX/XX/XXXX. Your website now tells me I shouldn't expect another response from XXXX  until XX/XX/XXXX. I called last week to see if this could be expedited under the circumstances. They couldn't tell me if it was going to be expedited - given that I haven't heard anything, I have to assume that this very reasonable request has fallen on deaf ears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I CAN FILE AS MANY CFPB-COMPLIANTS AS I WANT TO LETS STOP PLAYING GAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California, XXXX Collection Consultants of California Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MD
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 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  Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted for loan forgiveness through the PSLF waiver back in XXXX. Per Dept of Ed I should have been direct to discharge months ago as I have been well over the XXXX payment count. I have been in touch with mohela dozens of times about this. I get a different excuse each time but they all say my payment counts have been sent to Dept of Ed. Dept of Ed says they have not. Dept of Ed states Mohela tells people that when it isnt true. Meanwhile people whove applied six months after I did are having their loans forgiven. I dont know what else to do. Please help.

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 2023-07-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$440.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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 sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation