BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a XXXX XXXXXXXX XXXX XXXX using my Chase Freedom credit card in XX/XX/XXXX. In XX/XX/XXXX, I noticed an issue with the display and contacted the manufacturer for diagnosis. After some troubleshooting, the manufacturer informed me that the issue could not be covered as it was out of the warranty period. 

I raised a claim with Chase card benefit services and provided a detailed list of documents including the warranty document, invoices, credit card statements, and repair invoice from an authorized service center. After several days of back-and-forth where I submitted all the requested information, they closed the claim saying that the issue was not covered under the manufacturers warranty. 

I followed up with documentation from the manufacturer showing that it was indeed covered under warranty. However, I received a generic response from Chase saying that they would get back to me in 7 days. They did not reach back and when I tried to contact them again, they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: AZ
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 submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, 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:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, I also spoken with XXXX at XXXX on XX/XX/XXXX, I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Equifax credit report : ( US DEPT OF ED/XXXX Account # XXXX, Balance {$5200.00}, Open date XX/XX/XXXX ), ( US DEPT OF ED/XXXX Account # XXXX, Balance {$6900.00} Open date XX/XX/XXXX ), ( US DEPT OF EDXXXX Account # XXXX, Balance {$3400.00} Open date XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX, Balance {$5100.00}, Open date XX/XX/XXXX .I did not authorize any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: United Group Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a loan from United finance back in XXXX to purchase a XXXX XXXX XXXX. Ive been paying on it every since. Im occasionally past the due date but almost always within the 10 day grace period. Ive been late past that a few times when spending excessive amounts of money to fix the car. I always communicated with them if there as an issue. My ex husband went in and got a car a XXXX XX/XX/XXXXwhich was a lemon. He took the car back and requested it be auctioned. They sent a letter saying it was sold for a few XXXX dollars and after fees barely anything applied to the balance. That has nothing to do with my car. I missed a call from them today and I logged on later in the evening to set a payment for the XXXX when I get paid, however, upon logging in I see my account shows as closed. And it is NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan XXXX XXXX Citi Mortgage lied Profusely they told me when I was applying for the loan and have it in emails that this is going through XXXX XXXX and this would be a XXXX XXXX loan. I have many many emails between XXXX XXXX Sales Manager at Citi and XXXX XXXX who knowingly knew all along that Citi owned my mortgage. This is fraud. Tried to deny me my {$5000.00} Homerun program as a lender credit as my income is {$50000.00} and XXXX XXXX median income can not be above {$55000.00} and called them out in there lie. The Closing docs were fudged the day before closing. The process was constant toxic fraud and unethical behavior. XXXX XXXX changed the numbers in the closing docs. This XXXX told to me by XXXX XXXX at Citi and tried to to add the {$5000.00} and forced me to pay almost {$5000.00} in points and XXXX XXXX the XXXX knew as she contacted and I was ignored. Now I call higher ups at XXXX XXXX. They are not my investor. XXXX XXXX is not my investor. They commit so much fraud and this is one example. My {$2000.00} out of my Citi bank account was withdrawn by the branch manager XXXXXXXX XXXX XXXXXXXX and the money is missing. Its endless acts of fraud and violations. I did not want to close but threatened I round lose my {$10000.00} XXXX XXXX. I would of never accepted a mortgage If Citi was the investor. NEVER. This is very serious and knowingly committed fraud. 
I would of never went through the process. This was my first question. How can Citi do something like this. I am shocked and over my dead body i am going to take every XXXX ruin necessary to ensure the fraud is handled and this bank is punished.

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 2021-06-05
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: Account status incorrect

Complaint:
This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have an auto loan with XXXXXXXX XXXX which was categorized as derogatory and had late payments. This was a mistake by XXXXXXXX XXXX and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However XXXX and transunion only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for XXXX and transunion to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). 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 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
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:
A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX XXXX XXXX$660.00} charge off account XXXX XXXX  {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
The XXXX XXXX XXXX had an account with First Horizon  * ( who acquired XXXX XXXX ) for about XXXX years. During the pandemic several board members passed away and we went into arrears with the account and shut down the company. I contacted First Horizon in XXXX to identify the amount to pay. I paid that amount via XXXX and requested that the account be closed. 

First Horizon did, in fact close the account and then admitted to me that they re-opened the account because the deposit to cover arrears was about {$1.00} too much. I was not notified that the account was re-opened. First Horizon then started charging monthly fees and other charges. Now they are harassing deceased board member families as well as myself for fees they charged the company because they re-opened the account. We feel this is fraudulent and feel that First Horizon should be criminally charged for this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: CA
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 XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-22
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is from a XXXX XXXX that I was involved in last year and I was XXXX in the XXXX with XXXX and XXXX XXXX and had to receive XXXX for my XXXX this debt is supposed to be paid from the insurance company I was the passenger

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: JPMORGAN CHASE & CO.
State: ID
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:
This complaint involves both a United Airklines Chase Credit card and the MonthsOfMiles promotion the the Unied Airlines XXXX XXXX XXXX. My compaint is best summarized in an email I sent on XX/XX/2923 which is excerpted below. Because of the possibly deliberately misleading language of the promotion and lack of clear terms and conditions I've wasted considerable time and money by directing the majority of my purchases to this credit card and now find that some of the purchases may not qualify. 

I've made repeated requests to United to ask why the misleading language was used and to date have not received an answer. The following is my inquirey to United/Chase XXXX Subject : UNITED AIRLINES XXXX XXXX DELIBERATELY MISLEADING? 

Date : XX/XX/2023 XXXX XXXX  XXXX To : United XXXX XXXX XXXX The recent promotion of MonthsOfMiles states that for each month of XXXX, XXXX and XXXX " Just make at least 5 purchases while spending {$150.00} or more '' on your Chase United Credit Card to qualify for bonus miles. 

That language implies or even allows that those 5 purchases need only sum up to {$150.00} or more. Confusing? Yes. If there was no deliberate intent to confuse why wasn't the promotion written clearly as follows : " Just make at least 5 purchases while spending {$150.00} or more on each purchase '' Please, explain why the ambiguous wording was chosen. The attached file shows that even the XXXX XXXX help line was confused by the wording. I wonder how many consumers will discover after the fact that their 5 purchases don't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency ARS ACCOUNT RESOLUTION with account # XXXX. Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Amount Owed {$990.00} Amount {$990.00}. Collection Agency Removed only debt out my file but kept one of them which is affecting my credit score and not allowing me to get the best Mortgage Rates for My Home Refinance. the Clearly stated on the last Complaint that the Debt isn't mine and that it belong to a XXXX. that XXXX is my son and he is covered under his XXXX umbrella insurance Policy. up to this day the Debt Remains in my file and its affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX/DEPT OF ED XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2023-07-19
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage lured me in with low-interest promises, then delayed the closing multiple times for a number duplicate requests and calls for documentation they already had. Then the mortgage broker failed to return my calls and correspondence about their rate-lock guarantee. As a XXXXXXXX XXXX citizen who is recovering from a XXXX, this business took advantage of me. Their deceptive marketing practices are well-known by now, why isnt anything being done? 
This company is damaging my quality of life, taking all of my financial information yet never giving enough information. They have me share information and dont even give a mortgage account so they can change the terms as they desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Public record information inaccurate

Complaint:
There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.

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 2023-03-23
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( collection company ) stating they had acquired an unpaid payday loan from AdvanceAmerica. I notified XXXX XXXX XXXX that the debt had been settled in XXXX of XXXX with AdvanceAmerica and submitted a copy of a bank statement page showing the payment made to AdvanceAmerica, along with an email confirmation from AdvanceAmerica stating that the balance was paid. The collection company then submitted the information to AdvanceAmerica for review. As of XXXX the collection company has not received a response from AdvanceAmerica. 

On XX/XX/XXXX, I followed up with the collection agency and was told they were still awaiting a response from AdvanceAmerica. That same day, I called AdvanceAmerica and spoke with a representative who asked me to upload copies of the documents I had sent to the collection agency. I did just that, however, I never heard back from AdvanceAmerica. 

On XX/XX/XXXX, I once again called AdvanceAmerica and was told that the documentation I had submitted was insufficient and that they needed my entire bank statement showing all of my personal expenses. For reference, the original statement I sent them had my personal expenses and transactions blacked out since they were unrelated to the balance in question. The payment made to AdvanceAmerica, however, was NOT blacked out and could be fully verified. I was told by the supervisor at AdvanceAmerica that I would need to submit an un-redacted copy of my bank statement which shows confidential information. I let the supervisor know that the payment in question was clearly visible on the statement I submitted and there was no reason they needed to see all other personal transactions. I was told that was their policy and unless I submitted a copy of my statement showing my personal expenses, balances ( which includes savings and investment accounts ), that they would not verify the payment and ensure that my account with them was accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: IN
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 been battling numerous of health issues and back in XXXX I was XXXX  following an XXXX  XXXX. I had to stay in the XXXX  for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.

Company response to consumer: Closed with non-monetary relief