BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase Card services and XXXX XXXX offered a promotion for new card users of XXXX XXXX ( airline miles ) if you spent {$5000.00} within the first XXXX months. I opened account in XXXX, 2021 and qualified by spending the required amount by XX/XX/2021. I have not received my bonus points. 
Several calls to Chase ( XXXX ), they connected me with XXXX XXXX times with. an automated message who then hung up ( XXXX ). Chase sys they are not responsible and contact XXXX. I have emailed XXXX at XXXX and have not received a satisfactory response. 
XXXX Points Number # XXXX Chase XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Balance {XXXX} Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Opene : XX/XX/XXXX, Name : XXXXXXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Incorrect address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Pa 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 2022-02-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am asking for Equifax and XXXX to follow suit. These accounts have been removed from my XXXX credit report as of XXXX and I would like for them to remove these accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$87.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; 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 2022-02-12
Company: EQUIFAX, INC.
State: OK
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 a loan through XXXX XXXX with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, EQ, and XXXX  are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-03-07
Company: EQUIFAX, INC.
State: IL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-06-09
Company: EQUIFAX, INC.
State: NC
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$350000.00} ; {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$680.00}

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 2023-06-09
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate the account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please update this account : XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.

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 2023-07-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX THANKS, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Sir and Madam, I have sent two letters to XXXX on XX/XX/2023 and XX/XX/2023, and submitted two consumer compliance forms. I just received a letter from them on XX/XX/2023, requesting me to file a complaint with you. My request is simple : please do not have DISCOVER company send any further payment recovery bills, as the bill is not my purchase or consumption item from beginning to end, and I can not find the seller 's address. I hope you can handle this matter well, please don't be disturbed by DISCOVER company again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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 Convergent Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,

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 2022-02-13
Company: Experian Information Solutions Inc.
State: TX
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 wrote the bureaus, XXXX being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what XXXX and experian did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX XXXX', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.

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 2017-11-25
Company: AMERICAN HONDA FINANCE CORP
State: OK
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 received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Coming out of our covid 19 forbearance we were looking for a long term option for paying back the 18 months of missed mortgage payments So we submitted a request for assistance at the end of XXXX XXXX What I thought would be around a 30 day process ended up dragging out over 4 and a 1/2 months just to be considered to have a complete application.. Initially our application was denied once in late XXXX based on a software issue with accepting one of the bank 's many requests for information... The processing system failed to submit it to underwriting and we had to call again to get it push through We submitted copy after copy and letter after letter And then finally in early XXXX We knew it was an underwriting and were expecting to be presented with a couple of options in the next 3 weeks due to unforeseen XXXX complications I ended up hospitalized For a few weeks and then delivered a premature baby. Obviously I was under medical care and staying with family so When I returned back home approximately 6 weeks later I was shocked to find a letter stating from early XXXX stating we had been approved for a XXXX  modification pending proof of the awarded monthly XXXX benefits... Now granted this is 45 days later at this point Meaning we had already passed a 30 day mark XXXX mark and I'm scratching my head because I Knew that I initially submitted screenshots of my of my Minnesota state XXXXXXXX XXXX benefits in my original application back in XXXX bember and frankly never even knew what the federal additional XXXX funds were or when they were being added because it was part of the federal CARES act. No currently apparently I'm sitting with a letter of default andefault and after another 2 hour conversation on the phone with Lost medication I informed that our house is set for a sheriff 's sale on XX/XX/XXXX and the only way to to put a halt to it is to submit another another request for XXXX assistance and have a Complete application in with the company prior ire to 15 days before the date of sale meaning XX/XX/XXXX. it took me over 4 months to get the bank to consider our initial application complete how on XXXX would I be able to pull that off in less than 20 days!? Especially considering I had already submitted the requested document in my initial application but application! They make you jump through hoop after hoop As a means to make it almost impossible to satisfy their requests ... it's ridiculous! It's a complete case of the left side not talking to the right side and then telling me well there's nothing I can do about it Even though I had already submitted what they were asking for...

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