BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
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: 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. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX, XXXX. Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2019-10-28
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
Delta Reserve Card had a sign up bonus offer of : XXXX Delta Skymiles + XXXX Delta MQM ( Medallion Qualification Miles ). I previously owned the Delta Platinum card, and I wanted the Delta Reserve one, which is a tier above the Platinum one. I called and was told that I could just UPGRADE my existing card to the Reserve, and that I would still get the sign in bonus, so I did the upgrade. The next time I called, I was told I WOULD NOT get the bonus since I had upgraded instead of signed up for a new one. I was obviously very frustrated by that and asked how that could be fixed, and AMEX told me they could just UNDO the upgrade and then I could just sign up for a new Delta Reserve card, and that I would get the full sign up bonus. So that is what I did, once more trusting what AMEX personnel were telling me. After I hit the minimum spend to receive the sign up bonus, I noticed I did not receive any bonus at all, so I called AMEX again, only to be told that I would NOT receive any bonus whatsoever, SINCE I HAD ALREADY OWNED A DELTA RESERVE CARD PREVIOUSLY (??? ). I created an incident ticket with them and they investigated it and listened to all my previous support phone calls again. They then came back to me and said they were awarding me the SkyMiles, but that they " had no way of awarding me the XXXX Delta MQM Miles ''. 
I called Delta, and they contacted their AMEX liaison, and double checked that YES, AMEX COULD award me those XXXX Delta MQM miles. Side note : if you try to buy XXXX MQM miles from Delta 's web page, those are worth {$3000.00} USD. This is why this is a VERY important part of the bonus for me. 
With that data in hand, I called AMEX again and createad a new incident ticket, was asked to wait up to 4 weeks. 
Waited, called again, asked to wait 2 more weeks again. Please not that every time I called them I had to explain this whole story again and waste at least 40 minutes of my time per call. 
Called again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX they promised me they would call me back in 5 business days, which they did not. At this point I was 100 % sure they were just stalling and trying to win by making me tired of this whole process, so I had to appeal to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am having an issue with Lakeview Loan Services LLC Subservicing by XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Loan Number XXXX XXXX XXXXXXXX The aforementioned has been giving me a difficult time removing the Monthly Premium ( PMI ) I am being charge. 

Per form HUD-92900-B it basically states that after 5 years, providing you paid and upfront insurance premium ( I did ) and your loan to value reaches 78 percent of initial sales price or APPRAISED Value of your home, which ever was lower, should allow me to request the removal of the monthly insurance premium. 

In XXXX of XXXX I was told by a representative of XXXX XXXX that I had to use one of  their appraisers. I was also told to send in a written request for removal of PMI which I have in my sent file. I have since made multiple request for a list of their Appraisers. 

Now XXXX XXXX whom now handles the servicing on the loan has stated to me that because I have FHA it has to be 78 % loan to value only through normal payments, and that I can not get the property appraised to remove PMI. Each call there is something new. I was told ( by XXXX XXXX )  that I closed on the house in XXXX of XXXX as it relates to refinancing. so from my research that should not be a problem as it was before XX/XX/XXXX. If it was after that date due to regulation changes I may have had problems. I have never been more than 30 days late. I sent a request to remove PMI on XX/XX/XXXX no response.

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 2022-09-26
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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 2021-08-21
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found an unauthorized inquiry.To my knowledge, I have absolutely no business affiliation nor did I give them my consent to pull my credit. I contacted the credit bureaus on more than one occasion had no success. I also contacted Citi Bank to resolve the matter received no response.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance XXXX {$250.00}

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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 filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have multiple medical debts on my credit score with TransUnion and XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through XXXX on transunion. 1 collection through XXXX on XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on XXXX. I am disputing all of these on legal grounds

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 2020-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank one day closed all 3 of my personal credit cards. All of them have always been paid on time, I was never late for any payments, 99 % of the time the full balance was paid off. I regularly spent about {$10000.00} a month all cards together. During the pandemic, XXXX to XXXX, I had to pay some of my business bills through my personal credit card as I had limited credit and needed more cashflow runway. So my spending increased to about XXXX a month, but I still paid it off every month. 

One day on XX/XX/XXXX, I wake up to find by logging into my online banking that all 3 of my Credit Card accounts were closed, Chase Freedom Unlimited, Chase Freedom, and Chase Sapphire. 

No notice, no phone call, no letter. 

I called Chase. They told me that my accounts were closed and they can not tell me the reason why, and its irreversible. They told me a letter would be coming and to expect it, I asked them if it would explain anything. They said it probably wouldn't. I received it about a week later, and they are correct, it explained absolutely nothing. I've spoken to multiple representatives and my chase private client banker, and none of them were even able to tell me a reason as to why this would be and indicated that I would not be able to apply for Chase Credit Cards again, though it seems like that information they had on their computer was so very limited they weren't even sure themselves, or if I could open a business credit card in the future. So it seems that they've permanently ended my credit card relationship with them. This has affected my credit score and report, as they were the primary CC cards I used. 

I have multiple corporation and business accounts with them for XXXX XXXX. All combined we had a gross income of XXXX XXXX pre-covid, and after the pandemic started we dropped down to XXXX XXXX gross income. I will continue to keep trying to get my credit cards and my relationship back for the next couple of weeks. If nothing works out. I'm will be moving all 12 accounts out of Chase. 

Chase did not even disclose to me why they closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX. Cc : XXXX XXXX XXXX Cc : XXXX XXXX. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : 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 2021-08-21
Company: The Outsource Group, Inc
State: AL
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:
The last time they reported it was on XX/XX/XXXX but the debt was due to a car crash that happened to me in XXXX of XXXX. I attempted to dispute the charge with the XXXX XXXX through XXXX already due to the registered disaster of COVID 19 It has left me unable to pay the {$3000.00} debt. They didnt accept my dispute even though my reason clear and true because COVID 19 has effected me and several thousands of Americans in unspeakable ways. I find ridiculous that Credit Bureaus are putting COVID 19 as a dispute option if theyre going to say its invalid in the end. I need something to be done about this debt immediately because its ruining my credit score and the hospital has called me threatening to hurt my credit in the past already. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They ( Navy Federal ) are refusing to call the verification number on the check that came from XXXX. They claim they can't verify it that way. I tried giving them the other number XXXX gave me and they won't use it. XXXX also wont call Navy Federal to verify it. The check is from the State of Louisiana U.S. Treasury Emergency Rental. This is for my rent and If i don't have it we will be evicted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX I tried to sign up for a new checking account at www.chime.com After completing the entire process I received a message telling me that they couldn't create an account and customer service wouldn't be able to help me any further. 

The application process required I provide my social security number, date of birth, mailing address, full name, phone number and email address. 

Following their instructions, I called XXXX and was asked to verify my social security number, date of birth, mailing address, full name, phone number and email address with " SIX '' different representatives. I was told that I needed to email XXXX for additional help. 

I emailed XXXX 6 times and was delivered the same message I originally was given when my account couldn't be established. Different members from the support department at XXXX were simply copying and pasting the same message back without answering any of my questions for help. 

I called XXXX again and spoke with 3 different supervisors and a department manager. Since an account couldn't be created for me and no one was able to help, for some reason, I asked to have my personal information deleted from their software systems. 

I was told they couldn't help me, even after they keep asking for my SS #, etc. 

All I want is to be sure that my personal information IS REMOVED from their systems. 

By law, they are supposed to have a data retention policy. They were unable to provide me with any additional information and kept telling me to email XXXX. 

The email responses are ALWAYS the same message without any explanation and no one at the company is willing to help ensure that my personal information isn't going to stay with this company, who has refused to provide me with ANY account access to see or manage my information. 

This is unlawful, breaking several US banking laws! 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report a few months ago and saw this account on my reports. It is not mine, I am a victim of identity theft. I have filed a police report and trying to get these matters handled. I need this account removed from my name and my reports immediately. This is my final attempt at a peaceful mediation. 

The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: GA
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 contacted Equifax because I was not showing up at their credit agency. They had another person 's name tied to my social security number. That has now been resolved and my XXXX loan is showing up. My XXXX XXXX credit card is not and I don't have a credit score. XXXX loan shows the loan for 7 months but they still don't show a score. I have called Equifax through the month of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to make a purchase with my credit card and the transaction was denied. Called the company the card is with, ( USAA ) and was told that they are now holding payments on credit cards for seven days and that I would have to wait to use the card because it was over the credit limit. The money was taken from my bank account less than 24 hours from making a payment but, the account is over the limit because they will not process the payments I have made. The limit on the card is 18,000 but, I have made payments bringing it down to below 8000. They are sitting on my money and I'm not sure why because this has never happened before. Credit has always been available within 24 hours or so after the debit posts to my bank account. I make multiple payment a month as money comes in and these large payment were made before the due date as always. I'm going to take a guess and assume that they need money because they are an insurance company and may be having issues with accounts in reference to the hurricane in Florida. Interest on that kind of money on thousands or accounts for seven days adds up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation