BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: JPMORGAN CHASE & CO.
State: PA
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 customer service

Complaint:
I signed up and received my Chase & XXXX Rapid Rewards credit card at the end of XX/XX/2018. In order to earn the XXXX miles offered in the advertisement I had to spend {$1000.00} in the first 3 months of having the card. I completed that task without any issue. In XX/XX/XXXX, I sent a payment that I thought would pay off the balance of the card ( approximately {$430.00} ). That payment did not process. The reason for that payment failing to process is unknown. I pay my bills the same way every month, and never have any difficulty with a payment not going through. I believe that the Chase 's website failed to properly process a payment that was made correctly on my end. That did not occur and the ~ {$430.00} remained on my account. 

For the next three months, Chase did not send me a single notification of any kind that the bill was past due. They claim to have sent paper statements. I never received those statements. They did not send an email notifying my of a past due payment, despite sending me several other emails in an attempt to get further business from me. They sent multiple text messages with the same purpose, but never a single one notifying me of a past due payment. 

Instead of contacting me with information on that past due payment, Chase notified the credit bureau, and I took a 70 point deduction on my credit score. Furthermore, Chase claimed that I was not offered XXXX points for {$1000.00}, and has since refused, on multiple occasions to grant those miles, despite a clear bait-and-switch. They claim to have offered me something different, but that is not what was advertised on the paperwork that accompanied my card. 

Today, I was notified that, due to a 'recent change ' in my credit score, XXXX XXXX would be lowering my credit limit by {$4000.00}. 

So now, instead of my credit utilization being under 20 %, it will be near 50 % on the next credit report, sinking my score even lower.

I am pleading that someone stop this madness. It was a {$400.00} bill that Chase repeatedly failed to notify me about, was paid off the day I saw my credit score drop, and its impact is still growing as credit card companies and bureaus asses my risk as HIGH, despite what was previously a credit score well above 700. I have worked my entire life to establish myself financially, and I feel that it is being taken away unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MI
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:
The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.

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 2023-08-06
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-02-15
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX Bank of America withdrew {$83.00} in funds from my account with out my consent or knowledge, when I called Bank of America to see what the charge was for, the woman I spoke with said it was for recovery for forced closed account for an old account, when I asked her for what closed account because I was unaware that I owed any money to them, she said I owed them for overdraft fees from an account in XXXX that was closed and another account from XXXX. She told me that they didnt have to notify me and that it would probably happen again. Now my account is overdrawn, how can they do this without notifying me first? I cant pay my bills now. I thought my permission was needed to withdraw funds from my account, Ive had this account with Bank of America for several years now, why are they just now deciding to take money from me?

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 2023-04-02
Company: Experian Information Solutions Inc.
State: AL
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:
In going over my credit to prepare to buy a home i have found multiple errors, In XXXX I sent in a dispute with experian. i am new to all of this, but im learning. They have reported things on my account that are not accurate, but they claim are. 
there is an account listed as over 90 days late with the little marls on the months that is a collection. They cant have things both ways, It cant be a collection and over 90 days late. This is a clear violation of my rights under the FCRA. I pulled my new report after said investigation today and this is what my report states. 
XXXX XXXX XXXX  account number XXXXClosed these are the marked black late months on my report there cant be a closed in collections and it marked as if it isnt with the black marks there this is a clear violation of my FCRA rights. I am entitled to {$1000.00} per violation and these are clearly there. I have found they try and clean up mistakes before you see them, But im hopeful finally someone will hold them financially responsible as it takes us hours to even try and attempt to fix this. They told me on Friday XX/XX/XXXX the would " look into this '' again for me but at this point I have no faith below is the months marked they did this to me as its still there. Im new to you all and appreciate all you do in helping the little people. 

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 Then I noticed another collection on my account from experian. XXXX XXXX account number. XXXX is doing the same thing. I sent the dispute into them online and they said they looked into this, Had they they would have seen as I said above, This is a clear violation of my FCRA rights cant be past due and collections at the same time. I just want to be treated fairly and again, Im new here but I know this isnt within the FCRA laws.

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 2023-04-02
Company: Experian Information Solutions 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 fair credit reporting act XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Avant Holding Company, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In an attempt to get a {$5200.00} loan, I was told 24 hours for a decision. After 72 hours I tried to cancel the loan. When I asked to speak with a supervisor, none were available. I sent an email to cancel my loan request, and asked for a prompt response, since they are open 7 days a week. Again, I waited. Then today, after 96 hours, I tried to call to verify my email had been received. 3 times, the call instantly hung up. The one time I got through to XXXX at XXXX XXXX, I told her my issue, and she hung up. 

I cant allow myself, or another person, in good conscience to be accountable to a company who acts in this fashion. What if this was me trying to make a payment at the last moment before extra interest is accrued? 

I, thankfully, havent gotten a loan approval still, and will cancel immediately, if I do. This has been a nightmare process, since I dont like giving my financial information to anyone. I have already changed all my passwords, and denied them access to my accounts. 

Please refer me to any other steps I should take, since the agents are obviously not American, and I am stressed about who they may sell my information to. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: LA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11
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:
On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax and XXXX XXXX data breaches and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-02-26
Company: FIRST PORTFOLIO SERVICING INC
State: GA
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:
The following creditor referenced below is reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 

XXXX XXXX XXXX # XXXX XXXX XXXXAccount # XXXXXXXX XXXXXXXXAccount # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX 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 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 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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 have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

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 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
After reviewing my credit report there are several American express accounts that have been opened in my name without my knowledge. I have written your company a letter disputing these accounts along with several unsuccessful disputes with XXXX and XXXX. Usually I get a very wordy dispute response back that doesnt make sense and it remains on my credit report. Please remove all of these accounts from my credit report. My personal american express card that I have had since 2003 was closed due to this. At the time it had a perfect credit history and a XXXX balance. I also used to have a perfect credit score which is now around 555. I can not take out a car loan and I've had other lines of credit closed as a result of these derogatory remarks on my credit report. I have been the victim of identity theft due to numerous unauthorized credit cards and back accounts opened under my name. Certainly if you look at my credit report you will find that I have always make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good day, I hope this message finds you well. 

I am writing to address a recent issue with my XXXX score, which was negatively impacted by an account reported by CREDIT MANAGEMENT LP without prior notice. Upon discovering the impact on my score, I promptly contacted CREDIT MANAGEMENT LP to dispute the reporting of the account without prior notification of the outstanding payment. To my surprise, I learned that the reported payment was related to a contract termination fee with XXXX XXXX. 

In an effort to resolve the matter and reverse the negative impact on my score, I immediately settled the outstanding payment with CREDIT MANAGEMENT LP on the same day. Despite settling the payment, I have not seen any positive change in my XXXX score up to this date. 

Earlier today, I contacted XXXX to inquire about the account and explore the possibility of disputing it. However, I was informed that there is no account to dispute as the payment has already been settled. Subsequently, I also reached out to CREDIT MANAGEMENT LP again, but they were unable to provide further assistance, stating that the payment has already been resolved. 

As my XXXX score continues to be negatively affected, I am turning to you for help and guidance in resolving this matter. Your expertise and support in addressing this issue would be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Happy Money, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had spoken with the company in XXXX and we had a verbal agreement in which I was told I would be eligible for covid relief for XXXX, XXXX, and XXXX with payments restarting in XXXX. I was also told multiple times I would be sent documents to sign but never received them over the course of the covid relief period. I followed up with the company on the progress of the documents being sent to me multiple times and was always assured they would be sent to me yet never received them. While all this was going, I was told to ignore and disregard their automated calls about making my payments and I was assured I would be fine because of the covid relief program. I reached out to the company earlier this month to find out when my payment due date would be and when payments would resume and to my surprise I was told my account is now in collections and theres nothing they can do for me! Unethical practices to the fullest! I am so extremely frustrated because I never wanted a negative account on my credit and I was absolutely lied to about what I was apparently eligible for. Please help!

Company response to consumer: Closed with explanation