BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
State: FL
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 believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then not supplying me with the Chase card ( with incentives ) I originally applied for. 

In early XX/XX/XXXX, I saw an advertisement on the XXXX XXXX App to open a XXXX Chase credit card with a XXXX point sign up bonus. I applied for the card and on XX/XX/XXXX, Chase Bank ran a credit check on me thereby continuing the application process. 
I received a letter dated XX/XX/XXXX from Chase asking me to call to discuss my credit application which I did on XX/XX/XXXX. 
I then received a letter dated XX/XX/XXXX asking me to verify my SSN which I did on XX/XX/XXXX via a fax sent from a Chase Bank branch to the listed Chase fax number. 
Then after hearing nothing I received a letter dated XX/XX/XXXX asking me to call Chase Bank to again discuss my credit application, which I did on XX/XX/XXXX. During the call, I spoke with a " XXXX '' who indicated my card had been approved with a credit line of {$17000.00} and would be mailed in one to two weeks. 
On XX/XX/XXXX I received a basic XXXX Chase XXXX card, but not the card with the XXXX point sign up bonus incentive I originally applied for. 

I believe Chase Bank used deceptive advertising practices by offering a card with incentives, but then switched that card with a basic XXXX points credit card, one without incentives, and not the one I applied to receive. 

Chase has horrible customer service and through this process, I have literally spent hours on hold waiting to speak to their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I do monthly transfers from usaa and made a copy of this. I transfer from an external account and the funds are made available immediately. On XX/XX/2020 employees from the bank began XXXX  around and holding the funds that would transfer immediately for up to 6 days on purpose intentionally trying to make me homeless so I could not pay my hotel bills. One of them called me out of my name as well and this let me know it was done on purpose. I want my money that they have on hold send to my account asap. They are playing with my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with personal information listed under XXXX and validation was requested as this was personal information that I did not recognize. I reviewed my credit report and I have not received any correspondence from credit bureaus to validate this personal information as correctly belong to me nor has my credit report been updated to reflect that the credit report is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates. The credit report continues to negatively affect me. Please strike and remove this address, phone number and employment from all 3 credit bureaus until adequate validation has been received proving that the personal information belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/23 {$330.00} bill paid in full XX/XX/23 {$6.00} interest on bill after the bill was paid in full XX/XX/23 {$6.00} company issued late fee when there wasnt a late fee XX/XX/23 issued {$1.00} interest charge XX/XX/23 {$14.00} company issued another late fee when there still wasnt anything late. 
XX/XX/23 {$1.00} interest XX/XX/23 company realized they screwed up charging interest and reversed transactions and charges against me. 

I am in the process of refinancing my house and never knew about these charges because I paid the bill in full. They never told me about any charges or late fees until my mortgage broker told me about it on my credit report. So my broker told me to call them and have them issue a letter stating there should have never been any late fees or charges against me. They have hit my credit and dropped me by 70 points and I had almost an 800 credit rating. So I explained to company what I needed and all they issue to me is a statement showing I owe {$0.00} rather than giving me a letter saying that I never owed anything at all so my broker can issue another Rapid Credit Check so I can get a better interest rate. This company XXXX my credit and I just want them to issue the correct letter stating I never owed anything. Ive talked to over 10 people with this company and none have been willing or wanting to help. Its been a run around and all I honestly want is my credit repaired instead my broker told me that it is credit card fraud which is what they are doing. I wasnt trying to report them to you guys but I just want help is all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 can not retrieve my credit report from XXXX, it always shows a reporting error. I have reached to XXXX they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address appeared in my report PLEASE REMOVE ASAP. 
Address for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i have never lived at address Names that should not be on my report. 
DIVORCED IN 2005 REMOVE ALL WITH LAST NAME : 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 2023-07-05
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:
Dear Sir/Madam, I am a victim of identity theft, as a results of it multiple fraudulent accounts have appeared on my credit report. I have reached you regarding it several times - but unfortunately these accounts are still on my report without any changes. So I had to submit this complaint on your company in order to get some results. Please remove following fraudulent accounts from my credit history : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
hello my name is XXXX. This is about my account I had with venmo. in XXXX, I last sent money to a friend of mine. After that venmo froze my account with my {$200.00} and requesting my ID. I told them at the time I didn't feel comfortable, and questioned why they froze my account. They kept saying the same thing to send my ID before unfreezing my account. Really impersonal. ive had issues with my ID and the internet and the past, and I felt unsure about sending my ID over to these random virtual agenrs, with their prerecorded messages requesting my ID. after about a week or so, I desperately need the rest of my money so I asked if I could close my account and just get my money out. They denied me. So finally I sent my ID as requested. I didn't hear from them for a few days, so I went on the live chat to see if I could send it over to them and they could possibl just accept my ID and unfreeze my funds. After talking online to their live chat they informed me that I need a different department for that and if I send my ID in chat they would forward it and make sure they receive my ID at the appropriate dept. I waited a few days and FINALLY I got a response. NOW they wanted me to verifymy debit cards by sending my transactions from 2 of my debit cards and one of a debit card that wasn't even mine??? First of a of all, they said my account would be unfroze as soon as I sent my ID. they repeatedly asked me for it, so when I finally sent it they didn't even acknowledge it and wanted me to send more personal data! I don't know what they are doing with my ID but after questing why I needed to send more data, they permenatley terminated my account and kept my {$200.00}! They said any decision they made was finally and not done lightly and they are going to keep my money for XXXX $ days in which they'll possibly reach out to me to return! And any email I reply after will be ignored and deleted! They STOLE my ID and stole my money! My account is not part of any money laundering or fraud that was my money! I can't reach anyone at Venmo and I'm really upset! Please help me venmo is stealing my money!!! if you can help i would most appreciate I got scammed! Thank you My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA Venmo acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AMERICAN HONDA FINANCE CORP
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 


PLEASE UPDATE THESE ACCOUNTS IMMEDIATELY TO PAY AS AGREED ASAP!

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 2022-10-07
Company: Experian Information Solutions Inc.
State: KY
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 these creditors XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights under 15usc1681 section 602 states i have a right to privacy 15usc 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instruction under 15usc 1666 ( b ) 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 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 2022-01-04
Company: EQUIFAX, INC.
State: PA
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:
THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXX 2/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX ( CLOSED WITHOUT KNOWLEDGE )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Dear Representative, I am submitting a formal complaint about Capital One 's poor payment processing system that they have in place. According to the agent I spoke with on the phone, this has impacted several individuals. 

On the evening of XX/XX/XXXX, I was reviewing all of my credit cards to schedule future pay off payments. While doing so I noticed that my Capital One XXXX had charged me a late fee for a past due payment. The minimum payment was due on this day of XX/XX/XXXX, but it wasn't the end of the day and I had already paid on XX/XX/XXXX. In addition to that, I received a payment confirmation email ( see attached ) from the credit card stating that they've received my minimum payment due on XX/XX/XXXX. I logged into my Capital One XXXX and see that my payment was indeed posted on XX/XX/XXXX. The late fee was accessed around XXXX pm EST on this evening of XX/XX/XXXX. This caused my balance to go over my limit! 

This is obviously not right! I immediately called their toll free number on the back of my credit card : XXXX and the agents including their supervisor were not able to rectify the system glitch. They told me it will take XXXX business days for this to reverse. I am appalled and concerned this happened in the first place! 

Please see attached proof of my payment posting on their list of payment transactions and also an email confirmation from Capital One showing that they received my payment XXXX days ahead of the due date. 

I am also very very concerned that this will show up on my credit reports. I am trying really hard to clean up my credit to be able to purchase a home. PLEASE PLEASE HELP ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: CO
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:
In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my several requests and It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation