BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, I'm trying to ascertain whether I will be eligible for a future bonus point upgrade to an American Express Hilton XXXX card or if a recent, abortive 1-day upgrade has triggered Amex 's 'once per lifetime ' policy. To offer some background, Amex ran a sketchy promotion recently that has blown up in their faces, offering a one year annual fee of {$0.00} for their XXXX  card rather than the usual {$450.00} annual charge. It's evident that Amex, either through a marketing scam gone bad or honest internal error they've yet to admit, put out an offer they never intended to honor. Once Amex chat informed me that I was not eligible for the upgrade, I had them reverse it within 24 hours. Be advised Amex alludes to some vague issue of some sort they had with the promotion, but have yet to state whether my account was impacted by their error/sharp dealing. My attempts to communicate with Amex have been regrettably unproductive, so I ask CFPB to reach out and determine whether my 1 day acquisition of the XXXX  card ( which I did not use during that brief period ) has put me afoul of the Amex 'once per lifetime ' potential future upgrade. Let me state for the record I'm otherwise very pleased with my American Express account, and I have a perfect payment record with them since opening my account over 13 years ago. I'm hopeful CFPB will encourage Amex to reflect, look inward, and endeavor to improve their treatment of good customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-23
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: Information belongs to someone else

Complaint:
I reviewed my credit. I notice Accounts that I did Not Give any Consent to. I have never open any of theses Fraudulent accounts with These companies. I need Information On How these accounts was open without My consent this Report is to Help Me resolve This Matter. I'm a victim of identity Theft. I cant understand how Accounts was open without Proven My identity. I want These Accounts off My Credit. 
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 explanation
Consumer complaint received 2020-09-29
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I purchased a new vehicle in XX/XX/XXXX and financed through Ally Financial. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP claim immediately and communicated with all parties. 
I was sent a bill from Ally Financial for {$760.00} in XX/XX/XXXX. Working with the GAP insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with Ally Financial and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I  communicated with Ally Financial numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from Ally Financial assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.

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 2023-06-29
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$3600.00}.

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 explanation
Consumer complaint received 2021-12-02
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Defendant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX, IL XXXX Ph : ( XXXX ) XXXX Website : XXXX XXXXXXXX XXXX XXXX XXXX, has wrongfully sent a bill for {$910.00} with my name on it to collections for debt that should be covered by my insurance. If he has waited beyond the service period of the insurance then thats not my concern. XXXX XXXX has to improve his back office billing. 

I found XXXX XXXX as a future XXXX XXXX while searching for XXXX  on the XXXX XXXX. He is a XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, IL. Truthfully XXXX XXXX is a very good XXXX with excellent customer relations and bedside manners. I have no complaints about his medical practice. He's a great XXXX. 

However as a businessman I have reservations about his office operations. XXXX XXXX billing processes and procedures internally are all but efficient. My complaint is about a medical billing sent to collections. I had XXXX under my then wife and I now have XXXX under me. 

On my last visit with XXXX XXXX, he stated that his office person could not collect on my insurance. I thought this was odd considering that my previous XXXX and XXXX both were covered with a Copay that I have with the insurance company. So I thought no worries he will take care of it, besides why should I do his medical  billing? 

That was around XX/XX/2021 and now it is XX/XX/2021 and I see that XXXX XXXX has sent this balance to collections instead of dealing with the Insurance provider. I have seen ( XXXX ) XXXX since XXXX XXXX and their billing is just fine with my {$20.00} copay. XXXX XXXX has sent my bill for {$910.00} to XXXX XXXX XXXX a XXXX XXXX out of XXXX XXXX, PA. 

I want XXXX XXXX to take responsibility for this transaction and just because he has a medical practice or business service does not give him the right to generate a debt and charge it to the customer. Once the patient enters the office the payment arrangement is already made. Through the XXXX site the patient provides all their insurance information and it is reiterated once in the Docs office. 

XXXX XXXX did not have a secretary, office clerk or nurse in the office working with him and he was handling all the responsibilities. I saw the XXXX twice before he told me that I owe {$910.00}. I told him that couldnt be so because of the way I set my insurance up. He replied very defensive and said that his person has always done his billing. I replied that I dont believe that she is correct and he said she is and I said impossible and he said then I cant see you today. I said fine. 

I am not responsible for this debt at this time and should not be held liable for paying it. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ALLY FINANCIAL INC.
State: MA
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:
I am currently within a XXXX  XXXX plan. My loan with Ally Financial is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. Ally Financial has not been reporting my monthly payments to any of the three credit reporting bureaus XXXX XXXX XXXX, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.

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 2023-06-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-11-19
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: Old information reappears or never goes away

Complaint:
This complaint was closed in 2018. XXXX XXXX keeps reporting this to the credit file. This is incorrect information at this point.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a long time customer of Chase Bank and have Checking, Savings Business Accounts. In addition I have a Chase Sapphire Credit Card & Chase XXXX XXXX Credit Card both which have accumulated a large amount of Rewards Points as they are used for my business operations in which I rarely have used any of the rewards points. I decided to check on the balance for my rewards points on around XXXX of XXXX  and unbeknown to me Fraud or Scammers must have been able to access my rewards points and had been redeming them for gift cards going all the way back to XX/XX/2023. I immediately called Chase JP Morgan Bank to report this fraud in which only XXXX card was canceled at the time and a report filed for Fraud and I would receive the reimbursment of the rewards points in XXXX business days. After this time passed nothing came up so I then called again to Chase JP Morgan Bank and received the same line of XXXX business days in addition I found out that my other credit card was also compromised and even the Chase representative mentioned that the first representative failed to ensure that all my other accounts were safe and protected from the fraud or scammer accessing my accounts. This was very negligent on their part and she proceeded to cancel and re send other credit cards and changed my account numbers. We are now in XX/XX/2023 over 3 months have passed and I have yet to receive the full reimbursement for the rewards points which add upwards of XXXX. 

This is very negligent as Chase JP Morgan is responsible for the safe keeping of my accounts and this level of breach was a significant damage to myself and can only imagine the others that may be experiencing this same level of damage. This poses a huge threat to the integrity of the safety for consumer accounts and identities and would like to have this furthur investigated and receive a Full Reimbursement for all of the points that were illegally taken from the Fraud that occured. Any Chase JP Morgan client should be aware that this can be happening without their knowledge and I strongly advise to look into the rewards points they have accumalated and review to ensure they are not being redeemed by a scammer/fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below 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 2023-11-03
Company: CITIZENS FINANCIAL GROUP, 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 do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CITIZENS ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BAM Management US Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XX/XX/XXXX I opened an account with Binance.US they collected my personal data including SSN. I found they do not operate in state of Texas. I tried to delete my account but found no option to delete my account from web site https : //www.binance.us/en I contacted customer support to delete my account XX/XX/XXXX. 
support ticket # XXXX. Today XX/XX/XXXX account still not deleted. 

Company operates under XXXX ID : XXXX Problems with company : 1. Company do not respond to customer requests from web site 2. Company support chat takes hours to respond to the question " delete my account '' suggesting to create ticket ( which I already created ) 3. Company does not have customer support phone number available therefore no opportunity to contact it and delete customer sensitive personal account and data ( dob, address, phones, ssn ) -- - Financial companies with no support to request can cause harm to potential customers due to delays or inability to satisfy responses to customers requests could be causing significant financial losses and should not be allowed to operate in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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 A MORTGAGE ON MY PRI, ARY RESIDENCE IT IS WITH XXXX XXXX. THIS LOAN IS NOT BEING REPORTED ON EXPERIAN, IT IS BEOING REPORTED ON ALL OTHER AGENCIES BUT NOT ON EXPERIAN. I REACHED OUT TO BOTH EXPERIAN AND XXXX EACH BLAMED THE OTHER, I PUT.A XXXX AGENT WITH EXPERIAN AND TO NO AVAIL EXPERIAN BLAMES XXXX  FOR NOT SENDING THEM THE INFORMATION, XXXX SENT ME A LETTER THAT THEY ARE INDEED REPORTING AND THAT EXPERIAN IS SIMPLY NOT REPORTING ON THEIR END. EXPERIAN HAS'NT CHANGED OR BUDGED THEY STILL DO NOT REPORT THE FILE. I HAVE ATTACHED THE XXXX LETTER TO THIS COMPLAINT PLEASE HELP I HAVE NO OTHER CHOICE BUT TO COMPLAIN THROUGH YOUR SERVICES.

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 2020-12-23
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: Information belongs to someone else

Complaint:
I figured out that I have a mistake in my report. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report. Please I kindly ask you to take appropriate actions.

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 2020-12-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase has a two part verification process. First its the password, then a verification code will be texted to your registered number. Well upon passing the first part, Coinbase never sends the second part. I have received a text for the two years j have been with them. Up until XX/XX/2020, I received those texts. Now no text and no access to my account. Which is crypto currency and I need that info for taxes. I have brought it to there attention and posted on their social media page. The got there attention. I was directed to a XXXX  XXXX  chat which I was fold it would be fixed. And also promised if I missed out on any earn capabilities I would be reimbursed. After three days of off and on chats. Today I come to find the chat had been closed and no resolution at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: OH
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 a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Based on my latest credit reports, I am seeing hard inquiries that I did not authorize. Below are the entries : - 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