BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
Company: DISCOVER BANK
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:
After an internal investigation, Discover Financial Services concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from Discover to XXXX and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
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 CHECK MY CREDIT. I NOTICE THESE ACCOUNTS ON MY REPORT WHICH ARE FRAUDULENT. I AM A DISABLE YOUNG MAN I DON'T EVEN KNOW ABOUT CREDIT MY FATHER IS TRYING TO TEACH ME WHATS CREDIT ALL ABOUT, BUT AS MY JOURNEY TO GROWING TO BECOME A MAN. I REALIZE THAT I'M A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
I ordered {$1000.00} in gift cards from my Chase Ultimate rewards program but they were lost by XXXX. 

The tracking number is XXXX I never got the cards and called Chase and spoke to 9 people over 5 hours and each one promised me a resolution but never delivered. I said I was happy to either have my points back or my gift cards but I wanted a resolution. 

Every time they told me to wait for an " escalation '' and check back later. Nothing ever happened. 

On my final call I brought up the analogy of an XXXX shipment that never arrived and how quickly and efficiently XXXX would make that right for their customers. The response was " we're a bank and we do things differently '' Seemingly Chase things they are entitled to ignore their promises to their customers and simply ignore requests for redress. It seems to be a deliberate policy to drag out the experience to make the customer miserable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via electronic mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 2022

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, 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 2019-06-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter of response that didnt address anything that the complaint was about. I instead received a letter that was basically an untruthful cover the company response. XXXX clearly didnt read the complaint but instead attempted to justify the lies, incorrect information, and false impersonation of your staff. On XX/XX/XXXX I called and gave my social security number so I didnt refuse to give my account number. The issue of an employee misrepresenting themselves as a manger and claiming to call me about a false investigation was never addressed. I have received several calls since XX/XX/2018 so the attempt to use something from XX/XX/2018 is a ridiculous cover up. I have called and asked for months to have the number for Credit Protection! I even had one person  tell me someone will co tact me in regards to it! XXXX the fake manager stated he was investigating the matter as he saw. The refusal and lies need to be properly addressed. I had agents state there was no credit protection and the phone call from XX/XX/XXXX is proof of that.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: IL
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:
PLEASE SEE ALL ATTACHMENTS On XX/XX/2022, I submitted complaint ID : XXXX. I have attached my original complaint, identification, and identity theft report, again. 

Experian has failed to meet their obligation of federal law. In accordance with 15 U.S. Code 1681c2, I have provided all of the information required. Experian has failed to block and delete ALL the identified information resulting in identity theft from my consumer report. Experian is willfully and knowingly noncompliant with the FCRA.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2019-06-29
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 is missing that should be on the report

Complaint:
Dear CFPB, Equifax has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from Equifax credit file and XXXX  credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from Equifax ( I'm  trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019, I made a payment of {$160.00} to my loan servicer for one of my loans. During this time, I was also considering refinancing all of my student loans, both my XXXX XXXX XXXX loans and my private loans through Navient, into one through XXXX. On Sunday XX/XX/2019 I began filling out an application to XXXX to refinance my students loans by consolidating them. Monday XX/XX/2019 XXXX approved my loan application to refinance and consolidate my loans. 

I then called my loan service, Navient, to 1 ) get a 10-day payoff letter to provide to XXXX and 2 ) cancel the pending payment of {$160.00} so my 10-day payoff amount would be accurate. 

1 ) I was advised of the total amount of the 10-day payoff and that I would receive a letter in my Navient inbox through their website the morning of Tuesday XX/XX/2019. Navient has two separate inbox 's on their website - one for XXXX XXXX XXXX loans and one for private loans. I received a 10-day payoff letter in my XXXX XXXX XXXX inbox for an amount that is completely different that the 10-day payoff amount I was originally provided on Monday XX/XX/2019. So, I call Navient to get an explanation. I was then told it takes 24 to 48 hours to receive 10-day payoff letters ( remember that I was originally told that I would receive it " in the  morning '' ). I was also informed during the second phone call that I would be received 3 10-day payoff letters, not 1. All for different amounts that would total the single sum I was originally provided. I was also told that the previous person I talked to gave me incorrect information regarding when I would receive the 10-day payoff letter and the number of letters I was going to receive. I was then told that Navient would resend all the 10-day payoff letters I requested and it may appear confusing because I could potentially receive multiple copies of the same letter. I was also told that it would take an additional 24 to 48 hours to receive those letters, but would most likely receive them Wednesday XX/XX/2019.

2 ) I was advised by Navient that they were unable to cancel the payment of {$160.00} because their system is unable to cancel a pending payment once 24 hours has gone by, however it would take 2 to 4 business days to process the payment. Navient told me that I would have to contact my bank. I called my bank and my bank advised that I had no pending transactions from Navient. So, I put a stop payment on my bank account for Navient so if they tried to process the payment it would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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: Investigation took more than 30 days

Complaint:
I received my credit report from Experian and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this 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 2022-07-20
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
The following is the summary of my dispute with XXXX XXXX for the total amount of {$910.00}, a purchase I never authorized, on my Chase Sapphire XXXX. 

On XX/XX/2022 I researched flights to XXXX and decided to purchase a 7 Day FareLock a flight to XXXX, XXXX for {$8.00}, which was initially billed on Chase Sapphire Visa Card @ XXXX AM. 

The 7 Day XXXX allowed me to reserve the stated ticket price and determine which flight to purchase within XXXX ( XXXX ) days or the XXXX would expire and I would lose the ticket with no further amount charged than the XXXX price. 

This expiration was an option I deliberately selected at checkout so that I WOULD NOT be automatically charged at the end of that 7 day period but the flight would simply expire. 

On XX/XX/XXXX, I discovered that XXXX XXXX had, on XX/XX/2022 @ XXXX, automatically booked, ticketed, and charged me for Flight 1 to XXXX, XXXX for {$910.00}, ( {$870.00} for the ticket, and {$41.00} for a seat selection ) a clear and obvious error in their computer system. 

This was not buyer 's remorse. I DID NOT AUTHORIZE THIS PURCHASE. 

My email receipt clearly shows I only purchased a " XXXX '' and clearly shows that there was an error in the expiration date for the XXXX. 

On XX/XX/XXXX, I promptly called XXXX XXXX to make them aware of this error and they refused to refund my money, only offering me a credit for a future flight, even though I did not agree to purchase any flight in the first place. 

As evidence I have the Email confirmation of my XXXX purchase for {$8.00} on the Chase Sapphire Card. 

In this email you can see : a. You can see the reservation expires data is incorrect, that the 7 Day XXXX expired at XXXX on XX/XX/XXXX and not XXXX on XX/XX/XXXX so not 7 days after purchase. 

b. You can see the email confirmation provides the option to purchase the ticket and not that it would be automatically purchased an option I deliberately selected. 

c. The Email explicitly states that only {$8.00} was charged to my Chase Sapphire Card , which was the only amount that I was paying. Further, XXXX has even admitted the ticket that was billed to me did not even have any passenger information included -- further evidence that I never purchased any ticket but was simply billed erroneously for it. 

Thank you for your prompt attention to this matter and helping me to rectify this error. As of writing this, XXXX XXXX refuses to reimburse me for this money, nor will Chase Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CA
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions.

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.

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with XXXX XXXX. 
I never opened an " XXXX '' account after the year of 2013. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/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 2022-10-25
Company: EQUIFAX, INC.
State: MI
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:
Equifax had infringed upon my rights to privacy under the FCRA. Equifax falsely reported my XXXX 60 days which inaccurate. I was never late on this account.

Company response to consumer: Closed with explanation