BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a complaint against CHASE-AMAZON VISA card on XXXX ( Friday ) very close to XXXX which is CFPB Closing time. Since I was in a great hurry, and due to technical difficulties, I did not sent you enough attachments successfully. I can only write at athe end of " WHAT HAPPENED '' that I may send you more attachments on XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). 

On XX/XX/XXXX and XX/XX/XXXX, I did tried a couple of times. But I realized most of the attachments as evidence were from Chase. I used to be able to take pictures, and then I could attach those pictures as attachments on your website. But nowadays, due to security reasons, if you are not another owner of my account, even you got the URL that I organized. you may still not have access to my account to receive Chase 's documents or letters, or open the URL that I organized for you. If that's the case, all I can do is to explain each attachment with a little more details ( Please see " XXXX XXXX XXXX XXXX  '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting debt from XXXX XXXX  without validation tried to have them correct the situation and they are refusing to do so XXXX  can not verify the debt

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 2018-03-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Credit card : AMEX Gold Delta SkyMiles. 
I haven't received a promised reward which includes a XXXX bonus miles and a {$50.00} statement credit. I have contacted them over 20 times through a live chat since XX/XX/XXXX. 

These are some of the logs that I have. 
XX/XX/XXXX - Amex opened an investigation of the issue. 

XX/XX/XXXX - The representative updated the notes on my account. 

XX/XX/XXXX - The representative told me that the investigation is in progress. I could check the update by next statement on XX/XX/XXXX. 
- The representative told me that the investigation normally takes 6-8 weeks. 
- The representative confirmed that I am qualified for the bonus miles and a credit. 

XX/XX/XXXX - The rep said, " Thanks for waiting, I checked and see the investigation is open and our team is working on it and once it is resolved, you can contact us to know the result for this. '' - The rep mentioned that the investigation was opened on XX/XX/XXXX, instead of XX/XX/XXXX as mentioned earlier. " This investigation was opened on XX/XX/XXXX and takes 6-8 weeks time but in most cases, it is resolved within 1 bill cycle. '' XX/XX/XXXX " The welcome bonus offer credits are not yet released and the case is still under investigation by our dedicated team. it is bit a longer than usual for a case to open as usually a case resolves in maximum 6-8 weeks. '' " Whenever such scenarios are reported, we find the root cause to make sure thinks are correct for all the customers too. '' XX/XX/XXXX - The rep admitted that something is wrong with their system. 
" There was an error, and most of our card member faced this problem. We've received updates from our investigation team and they have most of the account. '' XX/XX/XXXX - The rep mentioned that the issue was already escalated on XX/XX/XXXX. 
" I can see it is already escalated and previous supervisor is already working on it. However once the details are updated we will share the same with you as well. i'd request you to please wait for sometime as now it shouldn't take much time to get investigation done. '' XX/XX/XXXX - No progress " These investigations take time as back team needs to check each and every details about the bonus offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: NCB Management Services 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: Report provided to employer without your written authorization

Complaint:
8 years ago someone stole my identity and purchased a vehicle under my name. I didnt find out till later because the person was actually making a couple months payments. Then I tell the creditor when I pull my report that it isnt mine and I never heard back from anyone. Later the car was repo and passed on to a collector without my consent and theyve been harassing and sending mail to my home for years and its also been affecting my life. Restraining me from moving forward in life and buying a home. Thank you to whom ever is reading this, this is my last hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX XXXX XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.

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 2023-12-18
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 XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
From XXXX there were overdraft fees that were applied even though the direct deposit from my employer was pending when an automatic payment was being withdrawn on the same day. The direct deposits were made every month on the 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 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I HAD NUMEROUS ACCOUNTS WITH BANK OF AMERICA FROM XXXX TO XXXX AND AS I UNDERSTAND YOUR ORDER, YOU ARE REQUIRING B OF A TO RETURN ANY AND ALL DOUBLE NSF FEES THEY CHARGED THEIR CUSTOMERS. 
B OF A HAD A HISTORY OF SINGLE, DOUBLE AND TRIPLE AND MORE OF CHARGING MY ACCOUNTS MULTIPLE TIMES FOR THE SAME UNPAID TRANSACTION OR PAID TRANSACTIONS ( I DO NOT HAVE ALL OF THE STATEMENTS NOW AS THEY ARE IN BOXES AT MY GIRLFRIEND 'S AND UNACCESSIBLE AND MANY ACCOUNTS ARE CLOSED ) I ALSO HAD TO CLOSE ACCOUNTS TO STOP COMPANIES FROM CONTINUALLY TRYING TO CHARGE MY ACCOUNTS FRAUDULENTLY. 
I ONLY HAVE ONE FORMER ACCOUNT AVAILABLE TO ME NOW WHERE THEY CHARGED MY ACCOUNT MULTIPLE NSF FEES FOR BILL PAY BUT NEVER PAID THE BILLS BUT I WOULD ESTIMATE THAT UNDER YOUR ORDER B OF A PROBABLY OWES ME THOUSANDS OF DOLLARS IN CHURNED NSF FEES IN THE 4 YEARS UNDER THE ORDER. I HAD AN ACCOUNT WITH THEM STARTING BACK TO XXXX WITH THESE ACCOUNTS AND ORIGINALLY ALL THE WAY BACK TO XXXX WHEN I OPENED MY FIRST SAVINGS ACCOUNT AS A CHILD. 
I HEREBY DEMAND THAT BANK OF AMERICA INVESTIGATE ALL FORMER ACCOUNTS AND RETURN TO ME ALL NSF FEES THEY CHURNED ON THOSE ACCOUNTS TO ME & I KNOW THAT UNDER THE LAW THEY ARE REQUIRED TO MAINTAIN BANK RECORDS OF ALL ACCOUNTS FOR 5-7 YEARS SO THIS WHILE CUMBERSOME SHOULD NOT BE AN ISSUE. 
I EXPECT THEM TO CONTACT ME AND WORK ON THIS WITHIN THE 90 DAY TIME FRAME THAT OUR AGENCY ORDERED. 
I HEARD NOTHING FROM THE BANK SO FAR AS TO MY STATUS.

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 2023-07-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two credit cards were opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute. Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Another credit card was opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep being put in collections {$340.00} from XXXX XXXX XXXX XXXX. I prove to the collection agencies that I paid them and they drop the collection. 
I am once again in collection. 
My finale bill after move out was {$340.00} XX/XX/2017. 
On XX/XX/2017 I paid {$50.00}. 
On XX/XX/2017 I pain {$100.00}. 
And on XX/XX/2017 I pain the final amount of {$190.00} for the total of {$340.00}. 
Hunter Warfield is the collection agent Acct. # XXXX XXXX XXXX XXXX  acct. # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
Bridgecrest is inaccurately reporting that my account was 30 days past due. I spoke with them and they were not able to explain how the 30 days are past due ( a payment was made before the 30 day time frame ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Credit Karma, LLC
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 have a mixed file the person on the other file is in debt and missing repayments, My score is going down rapidly it's causing me serious problems. The information is on credit karma the loans are XXXX, XXXX, and XXXX  I have contacted several agencies and tried to contact credit karma no one is giving me clear advice on how to fix this. I need help on what steps to take to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion, XXXX and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions.

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 2023-07-13
Company: Innovate Managed Holdings, LLC
State: LA
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 refinanced my car a year or XXXX ago thru XXXX XXXX XXXX, and as i went to possibly trade in my car today i was informed that XXXX has not ever reported my monthly car note payments to the credit bureau XXXX XXXX can go towards my credit. It just shows they paid off the previous loan with XXXX, and then that i have closed accounts. Is that even legal to not report a customers payments??? It sounds like an under the table scam from my car loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-10-22
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. Quite frankly I am sick of dealing with this on a repeat basis. It is beginning to feel like harassment based on incompetence. I simply want to be treated accurately and fairly from this point forward. I have attached the copies of the letter they sent me ( in error ) and copies of cancelled checks.

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 2023-04-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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 2021-04-16
Company: TD BANK US HOLDING COMPANY
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation