BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: MD
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 met the {$15000.00} spending on Chase Hyatt Card ( ending XXXX ) this calendar year on XX/XX/2023 statement, to be qualified for an additional free night, but not seeing it 4 weeks after qualifying.

Attached is a screenshot of the year-to-date spending report - the spending amount is {$15000.00}, and if you search my account statement, any return and fees did not exceed {$800.00}, thus I have met {$15000.00} purchase requirement.

Chase online credit card benefits page also the card agreement booklet both say the Free Night Award After {$15000.00} in Purchases - " please allow up to 4 weeks for the Free Night Award to be issued ''. ( relevant language highlighted in the attachment ) The information website link is on Chase.com : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/free-awards? chasewebview=false After I made couple of efforts contacting customer service, here are the different versions of the stories that I have been given so far : 1 ) A customer service supervisor said Chase internal procedure document says this free night " should take 6-8 weeks '' to show up. 
2 ) I did not meet the {$15000.00} spending threshold. 
3 ) This is a Hyatt problem, not Chase problem- of course Hyatt says the opposite so that no one can be responsible for it.

Here are my questions that need to be answered officially from Chase : 1 ) How my spending does not meet the {$15000.00} while the spending report shows it's $ XXXX? Please lay out the math so I can understand. 
2 ) When after all will I get the extra free night? right now? in another 2-4 weeks? 6-8 weeks? Or even longer?

3 ) If the card membership agreement and website says one thing, while the internal procedure document says another, should it be characterized as " False Advertising '' and be brought to Federal Financial Committee 's attention, and even be brought to some class action lawsuit lawyer 's attention? 

Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2022-07-11
Company: EQUIFAX, INC.
State: OH
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 ; 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 explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account # 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 explanation
Consumer complaint received 2023-01-24
Company: ROBINHOOD MARKETS INC.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Yes I found out in my robinhood account from XX/XX/XXXX to XX/XX/XXXX I was locked out and if investigated you'll see how I invested way more than XXXX dollars via my bank XXXX XXXX XXXX XXXX XXXX XXXX Iowa. Account being XXXX I only received XXXX dollars. I also noticed Bunch of automatic withdrawal charges from robinhood and stocks I never sold or bought. I also left XXXX shares of doge coin cryptocurrency in the account XXXX with robinhood under my son XXXX last XXXX. I got locked out again and later a police officer showed me I had hundreds of XXXX  stocks sold totaling over {$9200.00} that went into a different account my XXXX shares of XXXX XXXX were GONE out of my robinhood account. In XXXX I got married and our joint account at XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX had a reoccurring charge of XXXX dollars get taken out of our joint bank account every XXXX weeks still. I've contacted robinhood XXXX + times with no remedy they simply stated all other accounts prior were closed and now no response. The doge coin was XXXX a share when I bought in XX/XX/XXXX. Now I have and understood the IRS wanting tax on stocks etf and cryptocurrency that they believe I sold. I have no idea where my investments went. XXXX is trying to offer me a XXXX dollar settlement for time and money lost plus a XXXX account I've notice was opened under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? I'm showing false loans and equipment rentals on my XXXX major credit bureaus along with all XXXX different info XXXX different name 's and XXXX different SSN. Please help XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account information incorrect

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} ) showing on my credit 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: WI
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 was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for two thousand dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to file a formal complaint against Capital One regarding a recent incident that has caused significant distress and financial hardship. I believe that I was misled by a Capital One phone representative regarding a payment arrangement, which has resulted in a late fee and a XXXX late payment remark on my credit report. 
On XX/XX/2023, I contacted Capital One to inform them of my financial hardship due to contracting XXXX and taking time off from work to recover. During this conversation, the phone representative assured me that they could push back my payment due date to XX/XX/2023, and that no late fees or XXXX late remarks would be incurred if I agreed to start the payment plan. Importantly, I asked numerous times, on the recorded line, about the consequences of accepting the payment plan and was repeatedly assured that no late fees would be applied or remarks of XXXX XXXX late would be reported to the credit bureaus. 
To my dismay, on XX/XX/2023 XXXX days before my new payment was even due. I discovered a {$40.00} late fee charged to my account and a XXXX late payment remark reported to the credit bureaus. This outcome directly contradicted the explicit promises made by the Capital One representative during our phone conversation on a recorded line. As a long-standing loyal customer, I have never missed a payment before this incident, and I find it deeply unjust that, during a time when I sought assistance, I am now burdened with a XXXX late payment remark on my credit report. 
Given the circumstances surrounding this matter, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in rectifying this situation. Specifically, I am requesting the removal of the single late payment remark from my credit report. It is evident that I was provided with inaccurate information and led to believe that I was taking appropriate measures to address my financial difficulties. 
I have attached copies of relevant documentation and supporting evidence to substantiate my claims. These documents demonstrate the misleading nature of the Capital One representative 's statements and the subsequent adverse impact on my credit standing. 
I trust that the CFPB will conduct a thorough investigation into this matter and take the necessary steps to ensure that I am treated fairly and justly. I genuinely believe that the actions taken by Capital One were unfair, unjust, and have caused me significant financial and emotional distress. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this issue. Please feel free to contact me if any further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXXXX Balance : {$140.00} ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-06-21
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2022-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  Late Payment {$8200.00} XXXX XXXX XXXX XXXX  Charge-off {$3000.00} XXXX XXXX XXXXXXXX Charge-off {$1300.00} XXXX XXXX XXXXXXXX Charge-off {$99.00} XXXX XXXX XXXXXXXX Charge-off {$5400.00}

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 2022-12-06
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CHASE BANK-REFERENCE NUMBER XXXX I have called CHASE BANK , several times from XXXX, XXXX, and today XX/XX/XXXX, that I DID NOT APPLY for no CREDIT CARDS with them. CHASE BANK REPRESENTATIVE told me in XXXX, XXXX, and today XX/XX/XXXX, that they were going to file an IDENTITY THEFT. Unfortunately, NO ONE is listening to me. I am getting very tired of being harassed and possible this might end up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
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:
Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Hard Inquiry : XXXX XXXX XXXX Account : XXXX XXXX I do not recognize these things that are reporting to my credit file. please investigate and delete as soon as possible. 

My only address is XXXX s. XXXX XXXX XXXX, IL 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX have 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 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