BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: JPMORGAN CHASE & CO.
State: OK
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:
XX/XX/2022 - I called Chase Travel, through which I booked a vacation to XXXX and let them know that I had emergency XXXX XXXX and would not be able to make my flight on XX/XX/2022. Chase Travel told me they could not give me a refund only a travel credit for XXXX XXXX ( XXXX  ). I previously had a bad experience with travel credits for XXXX wherein to use the travel credit would cost more money after paying the fare difference than to book an entirely new flight. So I refused the travel credit. They advised me to call XXXX XXXX XXXX  ( XXXX ). I called XXXX and they told me that even though the flight was non-refundable, they will not reimburse me for my flight if chase travel/XXXX offers a travel credit or can rebook my flight. The trip cancellation/interruption insurance is one of the reasons I got this card. 

XX/XX/2022 - I called Chase travel to confirm how much it would cost to change my flight. They told me the new fare was {$30.00} cheaper and I would lose the balance. I said ok and needed to confirm a few things and that I would call back. 

XX/XX/2022 - I called chase travel to change my flight. They told me it would cost {$170.00} to change because of the fare difference. My original fare was {$600.00} and apparently the new fare was {$770.00}. I looked online and the flight costs {$540.00} on XXXX  website. So even though there are no fees for flights changes they hike up the fare difference by an exorbitant amount such that the no change fees and travel credit policies are illusory. For the second time in 2-3 months I am forced to either pay hundreds of dollars to use my existing flight credit, which disqualifies me from claiming trip cancellation insurance, or booking an entirely new flight. So, Chase Sapphire Reserves card benefits are completely illusory and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
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 explanation
Consumer complaint received 2022-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been a faithful Chase Bank customer for over 20 years. I opened my first checking account with Chase ( formerly XXXX XXXX ) at the age of XXXX XXXX XXXX now. On XX/XX/2022 I decided to go to the bank and make a withdrawal and was advised that my account was closed. I was also told that all funds in my checking account would be frozen for 90 days. I have gotten multiple conflicting reasons from the branch and over the phone as to why my account was closed. The bank has been unable to give me a clear answer as to why my account was closed. I spoke to a supervisor by the name of XXXX who said the bank is unable to provide a reason and was transferred to 4 different departments ; each placing blame on the last. My account was not in the negative whatsoever upon closing. The representatives are being evasive and not providing clear answers. I have a family to feed, I have to pay my mortgage, I have to drive to work and live in a already tough economic environment. I can not survive for 90 days without access to all the money I have saved. Im reaching out to the CFPB for assistance in this matter as Ive made multiple visits to l resolve this issue in person and over the phone with no results. Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NJ
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:
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX upon signing for the vehicle I know that Americredit was the listed XXXX holder. Shortly thereafter I started to receive statements from Gm financial. My payment were a total of XXXXXXXX XXXX XXXX 

XXXX XXXX XX/XX/XXXX XXXX is listed on my Credit as an inquiry on XX/XX/XXXX. Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Gm financial I had financial hardship at the time where I made a paymenT arrangement with this company however, I was still waiting for my check as well as it would take a XXXX XXXX XXXX to processing to my bank account. 

XXXX thing is for-sure is why would this company contact me at XXXX XXXX XXXX XXXX stating to contact them immediately only to repossess the vehicle early in the morning the was at XXXX XXXX standard time XXXX I didnt see the email until the XXXX XXXX. I guess they work late on those XXXX because often times They were closed after a certain time. 

XX/XX/XXXX, I received an email at XXXX from GM financial telling me to contact them as soon as possible. I never saw the email until the XXXX XXXX when I walked outside and noticed the car was missing. So I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that really didnt result to anything. Contacted Gm financial and gave me the instructions to get my vehicle which included going to the police stating and paying a fine and also having to go to XXXX XXXX to pick up my vehicle. However I noticed that the paperwork that I received in the mail stated the vehicle was located in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}

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 2022-11-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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 by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I contacted Capital One on several occasions and informed them I was in XXXX when accounts were established and they are still trying to hold me liable. My identity was compromised due to a security breach from their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A Section 2 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 a account without my written instructions.

15 U.S.C 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 by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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 have been disputing a identity theft/fraudulent accounts on my credit. I have provided documentation that the account ( s ) was due to fraudulent activities. I filed a FTC report and gave my report number for proof. I was told once the FTC report was filed that the items would be deleted. Months later those items are still reflecting my credit and the bureaus are refusing to delete those items. In addition, I am XXXX ( SSD ), I have NO drivers license and XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-15
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:
I've been sending letters to XXXX, XXXX, and Transunion in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my father health problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment

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 2019-11-23
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a chase account on XX/XX/19 for my student aid refund to be deposited into the account. 

On XX/XX/19 my federal student aid refund of {$6200.00} was electronically deposited to my new chase account directly by my school who issued my student aid. 

Within a day or so my funds and entire account had been placed on a security freeze.do to suspicious activity. I had spent less than {$100.00}. 

Chase said I must go in to a branch and provide ID to verify my account. 

I planned on verifying myself as soon as my XXXX XXXX got better. I was and still am extremely sick. 

Within 2 days my account was closed and chase says theyve suspended my funds and arent required to return them. 

These are federal benefits that are supposed to be protected from such seizures by banks and other creditors. 

Now aside from filing this complaint I dont know what else to do besides seek legal representation and action against Chase for return of my financial aid. 

I am stunned and disappointed this is how they handle their accounts and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). If so please produce a contract between you and I showing that I gave you permission to furnish this report. I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on XX/XX/21 you responded that you will start an " investigation ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU STATED IN YOUR RESPONSE ON XX/XX/21 THAT YOU WILL " NEED TO CONTACT THE DATA FURNISHER ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation! 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX XXXXXXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N

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