BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid 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:
On or around XX/XX/2020 I booked a flight on Chase 's rewards portal for a flight to XXXX on XX/XX/XXXX and returning XX/XX/XXXX for my wife and I. Cost was {$960.00} paid in XXXX of points. 

On or around XX/XX/2020, Chase informed that the flight had been cancelled and that I would recieve an airline credit. 

On XX/XX/2020 I contacted Chase travel and requested a refund of the points instead of an airline credit. I was told this was against Airline policy. I cited published guidance by the FAA indicating that if the airline cancelled a flight the consumer was entitled to a refund and was not required to take credit. 

Per the FAA : If your flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation even for non-refundable tickets. You are also entitled to a refund for any bag fee that you paid, and any extras you may have purchased, such as a seat assignment. 

XXXX XXXX XXXX I asked Chase travel chat about filing a dispute. I asked Chase XXXX chat about a copy of my cardmember agreement and any other dispute resolution procedures. Chase XXXX chat representative was unable to provide any information. Chase XXXX  chat also refused to send a transcript of the chat. Chase XXXX  chat refused to pass my request on to someone else at chase to follow up with me. 

I have pictures of my chat with Chase as needed. As stated, they would not send me a transcript. The file size exceeds what I can upload.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Regional Management Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. 

I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. 



Best, Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto Loan with XXXX XXXX XXXX XXXX. I initially purchased my car as a lease. I then brought the vehicle in XXXX upon the end of my 36-month lease and received an auto loan from NMAC.

I was going through some hardships and fell behind on payments. On XX/XX/XXXX my car was repossessed by XXXX. I was able to make the necessary payment of {$1700.00} and retrieved my car the same day. Included in the payment amount was a {$420.00} fee for car storage - even though my car was not even stored at the storage facility for more than 5 hours. NMAC also charged an additional fee of {$450.00} - with no explanation, added to my monthly statement for XX/XX/XXXX. Recently upon logging into my account - I have noticed that the XX/XX/XXXX Statement was not generated and is not accessible to view I later received notice that one of my credit card accounts was being closed because upon the performance of a credit refresh the lending institution noticed a REPOSSESSION on my credit report. This is how I was made aware that a repossession was reported to the credit bureaus from NMAC. Upon receiving this update, I contacted NMAC to get an update as to why that would even be on my credit report - when my car was not repossessed. In fact, my car is in my possession and I continue to make my monthly payments. NMAC transferred me to many representatives that seem to not be able to assist or provide a solid response. The last representative I spoke to in regards to this subject informed me that NMAC was not going to make any updates to remove the repossession from my account and that was not their responsibility. They explained that my car was in fact repossessed. I asked that a manager contact me and I have not, until this day, received a response or a call from anyone at NMAC to address this matter.

I am looking for proper guidance and assistance to have this false and derogatory information removed from my credit report. 
Please Note : I am in the midst of contacting the reporting agencies so that they are aware and help me reach amicable resolution with me organization. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased an item ; returned the item ; received confirmation that the item was received and I had a refund but the refund never showed or clear out my balance. I've called the company several times and bank that housed the card several times and I can't get anyone to credit the account. I keep receiving bills and the balance is occurring late fees. I am tempted to pay the balance to keep from it showing on my credit report. 

XXXX XXXX - XXXX XXXX  {$37.00} XXXX XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXX Balance : {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a letter from XXXX on XX/XX/XXXX dated the XXXX for a collection they purchased from a medical provider. The debt is not mine I havent received care at this facility and I checked dispute box and returned letter to company as requested on the XXXX of XXXX they reported debt to my credit report before the 30 days required and with satisfying the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDUCATIONXXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report 1 of 2 XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this 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 non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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 Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reported identity theft the FTC on XX/XX/19 due to the Equifax breach and my FTC report number is XXXX. Both XXXX and XXXX updated their files to remove the fraudulent information but Equifax refuses to do so. I called them no less than 5 times during business hours to get an update on my dispute since I have been having difficulties accessing this information online. I was asked to read my ENTIRE credit report to them and still was not verified because I answered the information incorrectly. How is it possible to not get any answer correct and I read everything off of my credit report? I literally jumped through hoops and still did not get a status. The fraudulent information still remains on the credit report even though it has been removed from XXXX  and XXXX XXXX records. The ironic part is the identity theft is a result of Equifax 's data breach!!!! I have read so many negative reviews regarding this company. Their customer service is outsoucred to a country with a clear language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CASHCALL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
CashCall currently is reporting ; Paid as agreed for less than the full balance/Charge off. 
90 days late. 

This account was never 90 days late. 

How is it possible to go from paying on time straight to 90 days late/Charge Out They have been PAID IN FULL! 

I had borrowed {$2600.00} from CashCall in XX/XX/2015. 
I paid the loan for about a approximately for 19 months. 
When I asked about my balance, I was SHOCKED to I was shocked to find out that after paying {$200.00} a month for 18 month the balance ONLY REDUCED BY {$100.00} dollars. 

After the years of calling and disputing about how they were reporting. 

They told me that then will report paid in full if I paid a additional {$2500.00}. 

THEY ARE DISHONEST HUSTLING SALESMAN. 

My advise would be to stay clear find another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Nationstar Mortage a year ago. The modificaiton was approved but they added XXXX extra to XXXX mortgage stating that these are all fees I owe to them, I have been requesting an itemized breakdown of the fees and have not been successful. I believe these fees to be extremely high and would like a clarification on such. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently I was contacted by NFS regarding a collection account. I had no idea that I had not one but several accounts owed. I did not receive a notice stating the debt was placed for collections and after requesting validation of the debt have not received anything. Yesterday evening, my husband noticed something added to his credit. This office has listed my debt as a " joint '' account. Missouri is not a marital obligation state but they have ignored this and using tactics to collect that is appalling. I have contacted the AG of Missouri and will be contacting attorneys to decide what our next steps should be.

My husband has been garnished ~ {$8000.00} in the past 5 years with them refusing to validate the debt. We are told, " That time has passed ''. I'm assuming that they have added these as " joint '' accounts so they can go after his wages, again. I have always carried my own medical insurance and not once has my husband signed any type of agreement for responsibility for my medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.

Company response to consumer: Closed with explanation