BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: MA
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 for a Chase Freedom Unlimited credit card on XX/XX/XXXX and was approved the same day. A bolded feature of the card on the website was 5 % cash back on groceries for the first XXXX  months of the card, which is why I picked Chase. When I noticed that I was not receiving the advertised rate on my cash back rewards, I contacted customer service via their message portal on XX/XX/XXXX to ask when it would be applied. They requested information about the offer the next day, so I copied/pasted the offer from their website. 

Their reply on XX/XX/XXXX was that " We don't have a similar offer available for your account right now, and we can't match the one you requested.. Our credit card offers vary and change, and new ones become available on a regular basis. '' I replied to this message that it was an active offer both currently and when I signed up for the card, and I would like it explained to me how it did not apply. 
The reply I received on XX/XX/XXXX stated : " Sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. '' I did not think this was an acceptable response because the information was from their own website, so I asked how to escalate my request. Their response XX/XX/XXXX was that " your account is not eligible for the new offer you requested '' and " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At no point have they acknowledged that they advertised this specific card with this offer or clarified why I was not eligible despite applying for the card under these terms. 
Here is a screenshot of the offer, taken less than XXXX  hours after my application was approved XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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 are appearing 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 : {$520.00} XXXX  XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$520.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXXBalance : {$510.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I got into an altercation with my room mate and I move out. And accident left my expired personal information in a drawer and did not take it with me. And my room mate or some one at that address has been trying to order all kinds of things online and now I have a bunch on inquiries for accounts which I do not have if you look at the inquiries there all online actions no in person applications I also filed an FTC affidavit

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 2022-04-03
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: PNC Bank N.A.
State: OH
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:
I have a PNC Everyday Rewards card that I earn cashback on. My cashback has started to " expire '' and I am now losing that cashback. In order to cash-out, the minimum is 100 % which is difficult if your cashback is expiring. There's no easy place or location to see this rule nor is it transparent to me as the consumer as to what is the expiration period and how long it goes back. 

As an example, my most recent history statement, I started with {$85.00} going into the month. I earned {$10.00} but my new balance is only {$88.00}! 

I have tried contacting PNC to request an early payout but they said there was nothing they could do. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NV
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 appreciate the actions made by the Experian, XXXX and XXXX Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : EXPERIAN : 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 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 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 explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have included is in response to the ( 2 ) emails I received after I filled my credit dispute via certified mail. It appears that Experian is attempting to ignore my concern with the erroneous information I believe is being reported on my credit file associated with my social security number and other personal information. 
Let this letter serve as my cover letter of my consumer complaint in regards to the following issues I disputed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please see Enclosed Identity Theft and Fraud Report/Police report.

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 2023-10-17
Company: EQUIFAX, INC.
State: TN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, i tried to purchase a gift card for XXXX XXXXXXXX XXXX XXXX XXXX for my family who were visiting XXXX, i got an error from the American Express that transaction was unsuccessful. Tried again same error. So my family came back on XX/XX/XXXX. After couple of days i saw a charge on my account that was processed and initiated on XX/XX/2021. After that i tried disputing it and as usual they rejected the claims by forwarding me some fake documentation from the company and when i compliant about it to their executive team no action from them as well. 
Amount was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: CA
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:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was given this account when I purchased XXXX XXXX XXXX in XX/XX/2022. The payment was set for {$120.00} for XXXX XXXX at a low interest rate. I set up an autopay from my bank. In XX/XX/2022 the payment was increased to {$140.00} without prior notification. Since I don't use the account for anything else I never thought the payment would increase. When I did discover the problem, I called customer service to find out why it happened. The excuse was the payment was too low to complete the balance in time not to incur accumulating interest. I said that was not my fault. I had to wait for the decision on the refund. I was issued {$40.00} instead of the {$120.00}. There should be a monetary penalty for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: SYNCHRONY FINANCIAL
State: CA
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 found out that I was a victim of Identity theft after receiving collection letter from SYNCHRONY BANK. I did not open or authorize this account and I have never had any outstanding debt with this company. Therefore, I filed an FTC ID theft report and a police report to dispute this matter with all the credit bureaus and SYNCHRONY BANK. Although the credit bureaus have resolved this issue and remove the negative account, SYNCHRONY BANK is still making collection activities. They keep sending collection letters which makes me feel harassed. I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau and warn other consumers about this type of financial harassment. 

Under section 605B of the Fair Credit Reporting Act, a creditor is required not to provide the inaccurate information to any Credit Reporting Agencies and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection.

I believe It is not my responsibility to pay the debt I do not own. If SYNCHRONY BANK does not follow with the FCR Act, I'm willing to take any necessary legal step to resolve this matter.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: ID
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 did not authorize any of these companies to run my credit. Please remove these inquiries as I have an alert on my profile. Thank you.

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 2021-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of USAA for over 26 years and I had a mortgage with USAA for over 10 years. 
My mortgage included an escrow account, and USAA paid XXXX County property and MUD taxes annually as agreed. 
In XXXX, USAA failed to pay the MUD taxes, which were due XX/XX/XXXX. I contacted USAA multiple times by email and phone to ask that they pay the taxes as required. Multiple agents said on the phone that the taxes and accumulated penalties would be paid. The escrow account was fully funded and funds were available for payment of the XXXX MUD taxes. 
In XXXX of XXXX the MUD tax district received the delinquent XXXX MUD tax from USAA, but the late payment penalty of {$140.00} that had accumulated over 6 months was not included. 
On XX/XX/XXXX, I paid the MUD district the penalty of {$140.00} in order to prevent delinquent taxpayer action and additional penalties. The same day, I called USAA to ask for the {$140.00} to be credited or refunded to me. The agent, XXXX, was unable to take any action to resolve the issue. She said the Tax department disputes any penalties and I should get those back from the MUD tax district. I am asking that USAA refund the {$140.00} tax liability they caused.

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 non-monetary relief
Consumer complaint received 2020-08-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I received a XXXX delivery of 2 home security cameras from XXXX XXXX. The shipping label contained my home phone #. I did not place this order. I called the customer service # on the packing slip. They wanted to know my email address and said that it did not match the email address that they had for the order. All other info matched : name, address, home phone. They instructed me to call TD Bank Retail Card Services as  they have a financing partnership with them. I called and was prompted for last 4 digits of my SSN. The system stated balance due of {$130.00} ( the cost of the cameras ) with remaining credit of {$4000.00}. I requested a service rep and waited on hold for 6 hours with no answer. My husband sent assistance request message on XXXX XXXX. No response. I called again on XX/XX/XXXX and on XX/XX/XXXX was placed on hold for several hours on both days. I called TD Bank retail branch on XX/XX/XXXX and again on XX/XX/XXXX and was advised that TD Retail Card Services was a separate entity and branch has no access to this info. They told me to keep trying the customer service # for TD Retail Card Services. I checked my Experian credit report which shows a hard inquiry on XXXX for TD Retail Card Services. My credit reports from XXXX and XXXX do not show the same inquiry. The package was shipped on XX/XX/XXXX. I filed a police report with my local Police department on XX/XX/XXXX. Identity Theft Report ( #  XXXX ) was also filed with FTC on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm a long time customer with Wellsfargo I have a personal and business account with them. My complaint is Wells Fargo has closed most of their branches and has made it difficult to access ATM 'S. Foreign ATM 'S charges fee 's I live in a low to median income area. I notice others has notice that WellsFargo has multiple banks and ATM XXXX in XXXX areas but. not minority areas. This is clearly discrimination toward minorities and income brackets. I resides in the XXXX zip code the population here is XXXX the nearest bank is 15-20 minutes away. That wasn't always the case.

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 2020-08-14
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the approximate 3 year life of the mortgage loan, we have been making extra payments for purposes of paying off the mortgage loan. The lender with no communication arbitrarily assigned some portion of these extra payments to future payments, ( in essence collecting interest months in advance ) and some of the amount toward principle. Once I realized that my payments were not due till XXXX next year, I contacted them to instruct them to historically apply all of the excess amount to the principle only. To date they have acknowledged my request but has not indicated that they will comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo was requesting the financial statements of another person for our loan. This person was a co - signer on a retail card that we held. Wells Fargo requested that we close the credit card account. The credit card co - signer paid the balance and closed the account to try to help our mortgage application. 
Myself and mother are the mortgage applicants and approved all access to our accounts. We have provided many many documents and explained many things. This co -signer is not involved with this mortgage application in any way. 
Wells Fargo is requesting that we provide the financial information of this co -signer. There is no confidentiality agreement between this co-signer and wells Fargo. We are not legally authorized to act on this person 's behalf nor do we have access to their accounts. 
Wells Fargo is asking us to commit fraud. They will likely use that account information for marketing purposes and selling services to them.

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 2019-09-03
Company: EQUIFAX, INC.
State: MN
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 do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
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 Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

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