BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello I received the offer attached below ( glad I printed it out as reference ) from Chase online. I have a XXXX XXXXXXXX XXXX credit card and the attached offer was pushed to me during an online session. As indicated in the offer, I read through all the requirements and dutifully completed all items for receipt of {$600.00} account opening bonus - opened both checking and savings accounts at the same time ( XX/XX/2020, approximately XXXX XXXX XXXX, funded savings account with {$15000.00} within 20 days of account opening and also established direct deposits to checking account totaling over {$500.00} per month. I even further enabled auto-sweep from checking to savings account. 

The {$300.00} bonus for the checking account is now long overdue. I have contacted Chase repeatedly via Secure Message in my account and also on the phone ( see below ) as requested in the latest secure message response I received earlier today. Their latest response was to my earlier message in the day following up on the lack of a response from their " Research Team '' that was promised within five business days ( and had passed that time frame ). Their response is there is no code on my account that would entitle me to the bonus and asked me what code I used when I opened the accounts. I indicated there was no code displayed to me at signup ( would have also printed that out ) and per the attachment, " Coupon code applied when you click " Open an account '' - which is what I did. It would appear that the coupon code that should have been applied by the Chase system was not. If so, that is a problem for Chase to resolve in their account opening promotion they pushed to me. 

The bonus for the Savings account of {$200.00} would be pending, but per above not coded to my account and similarly the additional {$100.00} for opening both accounts at the same time. 

In today 's call speaking with rep XXXX XXXX, he hung up on me prematurely at the point when I was requesting to speak with a supervisor and he advised 30 days for a call back. I indicated that was not appropriate and I wanted it recorded as a request for an urgent callback. At that point, he indicated it would be 15 days. I reiterated my position of the urgency of the callback, at which point he hung up on me. 

Note that none of the exclusions of the offer apply to me - I did not have existing Chase Checking or Savings accounts. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: PA
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 legally changed my name in XX/XX/2020 and reported the change to the Social Security Administration. I have also changed my name with my bank but have experienced numerous difficulties in changing my name with financial institutions, in part due to Experian 's refusal to update my credit file with my legal name. 

Most recently, I sent Experian a letter requesting that my file be updated and including copies of my driver 's license, insurance statements, Social Security card, and the court order of my name change. I received a form letter denial claiming that I had not sent them all the required information when I had, in fact, sent them everything listed in the letter. 

Experian 's behavior is grossly irresponsible and is directly causing me financial hardship, as I now appear to have no credit history and can not get approval for anything.

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 2022-02-01
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account on my credit history from the National Credit Audit Corporation in regards to a balance of {$3400.00} owed to an apartment complex I once occupied. It began reporting in late XXXX. 

On XX/XX/XXXX I received an email from XXXX XXXX ( not the collection agency which was already reporting the debt, this communication was from the original creditor ) providing me a breakdown of charges and saying what their future collection attempts would be. The email specifically stated that I needed to respond to them. I responded to the email disputing some of the charges, and requesting they provide supporting documentation for the charges ( invoice, receipts, etc ) and proof that they provided me with this information in the timeframe allowed by law, as I am well within my rights to do and had asked for previously. The laws in the state are specific that properties can only charge for expenses they actually incurred, and the charges provided to me were grouped together and unclear. The company responded with a series of back and forth emails stating how they did not have to provide me that information by law and were not bound by consumer protection laws. They also acknowledged that I followed the law with my written request for information, and then went on to say that they sent the information to the unit I once rented from them ( while fully being aware that I no longer resided there and ignoring the contact information for me provided on my request ). The email concluded with an outright refusal to provide me any information needed for me to verify the amounts they were attempting me were valid. They also referred me to their collection agency, who never contacted me in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 incorrectly a collection/Charge-off in the amount of {$100.00} on XXXX account number XXXX. ( Please see page attached from my credit report. ) I cancelled this service in the time permitted by XXXX to do so however, XXXX still forwarded a bill to me even though this service was in fact cancelled. The representative I spoke with at XXXX acknowledged that the account had been closed and that remitting a bill to me was in error and I was assured that this account would not be reported delinquent on my credit report. Unfortunately, XXXX did not honor their agreement and now this account is reporting as a collection/charge-off on my credit report. I was told by the representative that they would contact the bureau and have this item immediately removed from my credit report. To date, this has not happened. This incorrect reporting of a false collection/charge-offXXXX is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.

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 2023-10-16
Company: EQUIFAX, INC.
State: NY
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:
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX  XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking and savings account with Bank of America. I started this account in XXXX and as per the agreement I was supposed to transfer XXXX dollars to my savings account to avoid any maintenance fee, however, in XXXX it looks like they changed the policy without informing me. and now I am charged with a monthly maintenance fee of XXXX dollars dating back from XXXX. I have the document that says I can avoid the monthly maintenance fee if I make a monthly automatic transfer of {$25.00} or more from the checking account to the savings account.

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 monetary relief
Consumer complaint received 2020-07-09
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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Gap Credit Card Fraud Closed Account due to Identity Theft XX/XX/XXXX Inquiry not self initiated XX/XX/XXXX Received notification XX/XX/XXXX they would resolve an issue within 14 days-unknown caller ID Credit Card report labeled social security information and email listed Dark Web per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: OH
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 a account without my written instruction to do so.

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 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My debit card was locked I tried to make a purchase they sent an alert I replied and now my account is under review its been since XXXX XXXX and they keep changing the days and its been over both dates and now they are saying its being escalated and its over that date they have giving me no paperwork to say my account is under review and I cant access my funds to pay my rent thats how it got locked and then they told me they dont have any paper trail as far as me having something for show to why I cant access my account and if I close it I still wont have my funds until their done

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 2019-10-24
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I applied for American Express XXXX credit card in XX/XX/2019, The offer was Earn XXXX Bonus XXXX XXXX Points after you use your new Card to make {$3000.00} in purchases within the first 3 months. 
I got this card and spend over {$3000.00} in purchases within the first 3 months but American Express denied me XXXX Bonus XXXX XXXX Points. 
After multiple calls to Customer service and management I received written response stating that under Terms and Conditions " American Express reserved the right to modify or revoke this offer at any time for any reason. .. '' Very convenient Terms and Conditions! 
At any time for any reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. 
Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. 
Next month due date came and same thing happened after hours on the phone with customer representatives. 
all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. 
No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. 
After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! 
i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. 
Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people.

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 2021-05-24
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX  for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: MS
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 disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely Experian. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ). 

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).

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