BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XX/XX/XXXX, PNC bank sent me a mailer with a personal invitation and reference code, inviting me to open a new checking account, to set up a direct deposit to receive {$400.00} bonus. The mailer addressed to me by my full name and specified a personal reference code. I have got interested in this offer and applied for the PNC checking account on XX/XX/XXXX. My application was instantly approved, and already within the first billing cycle I fulfilled the offer terms by setting up a direct deposit of {$5000.00} from my paycheck. However, after 90 days I did not receive {$400.00} bonus as it was promised in the offer terms. On XX/XX/XXXX, I contacted the PNC Customer Service with an inquiry about the promised bonus and received a confirmation that " the Promotional offer that was applied to the account entails that you would be eligible to receive a {$400.00} bonus if you have {$5000.00} of aggregate direct deposit ( s ) within 60 days of account opening ''. The agent also opened an investigation of why the bonus was not received. On XX/XX/XXXX, I was informed that the bonus was in fact denied on the ground that I received a similar bonus from PNC on XX/XX/XXXX and that " new checking accounts won't be eligible for the offer if the customer has been paid a PNC checking promotional premium in the last 24 months. '' I'd like to point out that ( i ) PNC did know for sure the history of my relationship with them when they sent me a personal invitation to open a new checking account and offered me a bonus back in XX/XX/XXXX ; ( ii ) the offer was addressed directly to me and mentioned my full name, and furthermore it said " Offer is available to intended addressee only ''. So it was a targeted personal offer directed to me. 
( iii ) the practice of calling my name and offering me a bonus and then claiming that I'm not eligible for the bonus is deceptive at very least. Essentially PNC tricked me into opening a new account by promising a bonus and then denied the bonus. 

My attempt to contact PNC, explaining the situation and even sending them the pictured of their mailer offer, did not succeed. Hence I file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX i applied for a credit card. I was shopping around and chase had an offer on their website {$200.00} bonus for spending {$500.00} when approved. Cool i thought it asked me if i was already a customer which i am. It asked to enter info to validate to streamline the application. So i did. I did the whole application and the promotion had changed to {$150.00} i called on that day but lending was closed, so i called back XXXX XXXX @ XXXX and spoke a lady that told me it was my error that i had to reapply even though it was the same credit card. This would have been a new inquiry on my fico. I asked her why it was misleading and she said that she would transfer me but there was nothing they could do. When she transfered me i was hung up on. I called back spoke with someone becaus eof the unfair deceptive act or practice and filed a complaint on being hung up on. they said that a account manager would call me bck and hopefully get this resolved. A guy XXXX called me on XX/XX/XXXX left a messgae that i could apply again but they would not honur there own promotion, when reading disclosure if i apply for the same card they would not honor the second promotion. So im being asked to apply again even though if approved i would not be able to receive the promotion. Im not going to pull credit again to lower my score. their system did the ol switch and bait. I called and spoke with a XXXX on XX/XX/XXXX she would only take the complaint i presented. She said there would be no follow up no referance number i really dont believe they took my claim serious. 
I happen to take screen shot from the date in question and they are changimg promotions minute to minute and in my case i click on one offer and was given another I was approved by the way and now they wont take responsibility for the misleading promotions they offer or even right the wrong this is a financial impact to me since for the same purchase i cant receive the bonus originally offered. 

I dont even have the card in possession yet and already all these problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX 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 2023-05-16
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-10-06
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my back account XX/XX/2021. I reached out to them asking for my remaining balance to be sent by check several times. I was not able to talk to anyone regarding this matter. I have been trying to figure out what to do. I'm hoping someone can help me get my funds or lead me in the right direction on how to move forward. I just want them to send my remaining balance that was left in mt account. I am aware that they can close my account due to their rules, process or procedures but I will not allow them to take my money from me. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Lugano Capital, Inc. d/b/a Start Auto Finance
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: Account status incorrect

Complaint:
I went to the dealership and spoke with XXXX  in XXXX about incorrect status that's on my credit repot that says charge off /closed she advised me to send a letter in to have the correction made to PAID because the car is paid off I sent a letter in XXXX to XXXX no response I sent a second letter XX/XX/XXXX to start auto directly which they received it on XX/XX/XXXX its now XXXX the correction has not been made and I been calling XXXX to fix this correction and now I can't get in contact with her and I never received nothing in the mail indicating that its getting worked on or nothing

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 2023-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and 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 an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping 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 non-monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] 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 conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata

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 2019-04-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
hi, My problem started the moment I opened this account, XXXX or XXXX of XXXX. I never received mail in paper bill form. i would get online bill to know what i am to pay and never the bill descriptions. I would pay the bill as expected between the XXXX  and the XXXX of the month. That's because, am on a fixed income. I get my pension check between the XXXX  and XXXX of the month. It depends on what weekday the XXXX and XXXX fell on. The week of XX/XX/XXXX, I decided to open a online account with Walmart to see why my bill wasn't going down especially when i pay it and I didnt use the card a lot. To my surprise, I realize Walmart Symphony card was charging me $ XXXX late fees for each month since I opened account for 13 months. They said my payment had to be received by the XXXX  of the month. I called to have the date changed and was told that could not be done. I asked to change it to the XXXX or the XXXX of the month. They could not accommodate me. Today, XX/XX/XXXX I call Walmart credit department and spoke the representative XXXX, and again he said he could not change my due date. When I asked to speak to a supervisor, screaming, i spoke to Mgr. XXXX and she changed the due date to the XXXX of the month, plus removed 3 of the current late fees. I had asked her to remove all of them, and she could only do 3. As of XXXX, I will be charged another late fee of {$38.00}. My complaint is I want all the late fees removed because I can't afford to pay it. I have paid {$1000.00} on my bill since XX/XX/XXXX to XX/XX/XXXX. The late fees total {$430.00}. I want all these late fees removed from my account. I am late only because its a bill date they choose for me which do not accommodate me. I do not have the money to pay by the XXXX and when I asked to have the due date changed, I was told they couldn't. It wasn't until i insisted on a supervisor who was able to change the date. The rep XXXX said he couldn't. Which is a lie, and another way to rob me. That's what Walmart did. They robbed of {$430.00} in late fees and I want my money back. And if I don't get my late fees dropped and my credit report exonerating my pay history, you can close my card. When you check my payments, they are always between the XXXX of the month. i pay my bill on time on the due date i have the money to pay. Please drop all the late fees. that is what i want. 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 monetary relief
Consumer complaint received 2023-12-13
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 have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-13
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XX/XX/2023 XXXX XX/XX/2023

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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-13
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}

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 2022-06-02
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 information incorrect

Complaint:
XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them 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 explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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