BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: DC
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 tried on two separate occasions to redeem credit card rewards from my Chase credit card. The first time was in XXXX, I tried to purchase a flight using Chase XXXX XXXX  website, but received an error. I tried to call in and sat on the phone for over an hour trying to get someone to help me, and they couldn't explain why I received the error on their website. They thought it was just a problem with the website being down. 

Now, on XX/XX/XXXX I tried again to redeem a flight using my reward and received the same error I received in XXXX. I called to speak to someone on the phone. I was on the phone for over an hour, with them telling me they were receiving an error on their system multiple times, and eventually escalating to a supervisor. It ultimately took me almost 1 hour and 30 minutes. 

Chase advertises that if you redeem rewards for travel on their rewards site you get 5 % back on those rewards purchases. However, they have made it nearly impossible for me to do this on multiple occasions. What I have done to avoid this is just use that credit card to book a flight on my own, through the airline, and then just redeems rewards for cash back on my credit card, but missing out on their advertised 5 % cash back since I did not book through their XXXXXXXX XXXX website. I upgraded my card last year, to this card with a {$95.00} fee as they advertised their 5 % cash back offer on travel booked through their website. I have yet to be able to successfully and efficiently do this. This feels like a deceptive practice of falsely advertising a service that is nearly impossible for me to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have good credit this item showed up on my credit report recently when my score dropped i checked my report and this item was on their opened XXXXXXXX XXXX for XXXX Direct energy never opened account been with current provider for XXXX years and believe this is an error on theirside. 
Collection Agency CREDIT SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$980.00} Amount {$980.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/2022 i have no knowledge of this account and i never received and notification by mail or phone about this account if there sending anything its not to me, would like to resolve and remove this from my XXXX and XXXX not on my XXXX. i have disputed this item researched debt i can't find anything to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Account status incorrect

Complaint:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Weiss Fargo allowed XXXX to take a {$500.00} cable bill out of my account more than once that was returned. Wells Fargo closed my account with them and wrote off to the credit agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMSHER COLL Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
LVNV FUNDING LLC is currently reporting on all three major consumer reporting bureaus that I owe their company {$17000.00}. XXXX started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered XXXX  and XXXX  stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My Bank of America credit card was stolen from me while I was at the gym on XX/XX/2022. There were two unauthorized charges from XXXX XXXX that day : one of {$1800.00} and one of {$520.00}. The {$1800.00} was denied, while the {$520.00} charge went through. Same store, same day, same time. I did not realize my card was stolen until I got home hours after I came back from the gym, but had already cancelled my card and filed a fraud claim right away as soon as I received a text from Bank of America saying that a charge of {$1800.00} was denied. Initially, I thought my cards information was leaked and stolen that way because I was a customer of a subscription service that had been hacked very recently ( XXXX ), so that what I initially wrote down as suspected reason of fraud. Immediately after I realized my card was stolen from my wallet, I updated my claim, filed a police report with the XXXX XXXX XXXX Police Department, and supplied the report number to Bank of America. Every step of the way, I was also in contact with people from my gym who would be assisting with the investigation. The police detective and I had follow up calls and messages to confirm my story. I was even subtly reassured every step of the way by Bank of America employees that this should be fine, especially considering the other charge did not go through and it was on the same day, at the same store, and around the same time. I even temporarily received a credit on my account for {$520.00} from Bank of America before they took it away.

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 monetary relief
Consumer complaint received 2023-02-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a request on XX/XX/XXXX for a Lienholder 's Certificate which is needed for me to do a Boundary Line Elimination on my property, combining 25 little lots into one lot. This is necessary for tax purposes and county planning and development purposes. It is now XXXX of XXXX. I have provided all their requirements - a property survey, a property plat before the proposed changes and an unheard of {$500.00} charge to create the certificate. After nine months and over 30 phone calls they have still not provided me with the document. Every time I call they tell me it is pending. They have made a few attempts to call me, but have never left messages or a convenient time/way to return calls even though I've requested a specific method of establishing direct contact. The few times I was able to reach a live person, the only information they have provided in nine months is that the request is with their legal department, there is no way to reach that department directly, they can only continue to contact the legal department and ask for updates, and that the matter is still pending. 

I have sent numerous emails and phone calls. I finally submitted the following Letter of Demand by email on XX/XX/XXXX. 

This is a Letter of Demand regarding a request submitted to your office XX/XX/XXXX. The Demand is for a Lienholders Certificate that has not been completed in 8 months since the initial request. SPS requested a plat and survey which was submitted XX/XX/XXXX. By XXXX of XXXX, the document still had not been received. SPS stated the request was sent to the legal department and the cost would be {$500.00} for them to generate the document, but no one knew how or when the payment was to be made. No indication of what the next steps were provided. The same information was given repeatedly and no one had updates from legal. After a number of phone calls to the ombudsman department placed throughout XXXX, XXXX, and XXXX, information was finally provided about how to pay the required fee, which was made immediately on XX/XX/XXXX. Since then, over 20 calls have been placed to SPS for updates and no further progress or information has been provided. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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:
XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft and I want to remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, Transunion, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXX XXXX XXXX # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... XXXXDEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has three different account status types across each agency. Transunion has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with transunion XXXX has the account listed as a collection/chargeoff and equifax has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX 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. 

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 2022-12-05
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:
To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  # XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was incorrectly reported as deceased and was unable to obtain my credit score. I hired an attorney and submitted corrections, but they still haven't updated my information. I still don't have access to my credit score. I have suffered severe economic hardship and loss as a result.

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 2022-12-05
Company: Chime Financial Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The incident is with Chime online bank. It started when I moved half of my savings from my normal bank to the Chime app since I did not see anything wrong with that. The amount was for {$9700.00} on XX/XX/XXXX. They did not bounce it, they accepted it, but flagged my account for suspicious activity. They then blocked my account on XX/XX/XXXX and asked for documentation to give me access. I have provided the requested documentation 6 separate times to both review and support on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. They closed my account on XXXX claiming they did not receive correct documentation and gave me no direction to re send anything or any explanation other than the generic email. They said it is not eligible for refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 to the Fair Credit reporting act XXXX XXXX XXXX # XXXX and 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 : 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: U.S. BANCORP
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 received an offer to expand my credit limit for my secured card of {$300.00}. I called several times and asked questions prior and advised of my plans to extend my limit and to later apply for the account to change into a unsecured card ( knowing of a hard post ). The representatives never stated that to extend the credit line, there would be another hard post. Had I known, I would have NEVER agreed to take that route. Upon notification that a hard post has been posted, I immediately reached out to the XXXX XXXX XXXX for clarity and was told that they had to have a verbal consent. And that the paperwork had a fine print for the hard post. I explained that something that important should stand out and be explained. I have had a secured card before and they never redone a hard post to extend a limit or to change form secured to unsecured ; especially since having a great report. As advised from a XXXX rep, my next steps is to file a complaint via you. I want the hard post off my credit history because I did not give permission to do so.

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