BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My lease ended XX/XX/21. I was quoted a lease-end buyout cost of {$17000.00} good through XX/XX/21. On XX/XX/21 I overnighted a personal check as instructed, in the amount of {$17000.00}. Chase Auto Finance deposited my check on XX/XX/21. 

I then received the title and bill of sale via USPS mail on XX/XX/21. The amount reflected on the bill of sale is {$16000.00} XXXX {$15000.00} plus sales tax of {$1300.00} XXXX. I overpaid for the vehicle in the amount of {$320.00}. 

When I called Chase customer service number reflected on the bill of sale on multiple occasions today XX/XX/21 at XXXX XXXX XXXX XXXX, the representatives transfer me to the Lease-End collections/default department and vice versa. No one will assist me. I did speak with one representative who indicated the amount of overpayment represents a lease installment payment due of {$270.00} plus an unknown {$50.00} fee, however, I did not have any additional payments due under the terms of my lease. 

The rep XXXX was unable to further assist me and indicated that the department that handles such matters " does not speak to customers ''. He indicated a ticket would be opened but would not provide a reference number and said it will take 8 days for someone to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
Open a card with American Express XXXX XXXX in XXXX. They had a promotional offer of XXXX bonus points when I spend {$15000.00} or more. I liked the offer so we had to pay for expenses upfront with our business and met the spend. I spent over {$16000.00} in the first three months. I noticed I did not get the reward after a few months so I called them. They said yes it looks like you met the spend and I would receive it on the next billing statement. I have since done this twice calling AMEX and still have not received my promotional offer. This was hard to do as a small business since we had to pay for things upfront which hurt our cash flow. I am still waiting for the bonus points to reflect on my account after two more months of back-and-forth phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm writing to express my concern regarding some inconsistencies in my credit report that I've found. I am attaching copies of all letters sent below. 

Although I was not expecting these errors, I am confident that your system will be able to fix them. I recognize that maintaining reporting accuracy is a crucial component of your organization 's mission, and I trust you to address these inconsistencies and make the necessary corrections. 

Such errors in my credit report are concerning, and I think other clients might experience the same emotions if they encounter a similar circumstance. To increase transparency and regain the public 's trust, I believe it is our collective responsibility to swiftly rectify such errors. To hasten the resolution, I am prepared to offer any further details you may need.

The Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 608, I believe offers consumer protection in such circumstances, so I will make sure to mention that. In accordance with Section 611, you have 30 days to conduct an investigation after we dispute any inaccurate or incomplete information. A credit reporting agency is required by Section 608 to offer consumers a free copy of their file once a year upon request.

The foundation of our financial system is made up of credit reports, and any errors can have serious repercussions. Therefore, it is crucial to fix these mistakes right away. By taking prompt action, I believe we can not only solve this problem but also stop similar occurrences in the future, protecting the integrity of the system.

Despite the difficulties, I am still certain of your dedication to truthful reporting, which I believe will help to speed up a resolution and restore my faith in your company.

I appreciate your compassion and your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
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:
THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm trying to pay my Apple Credit Card ( issued by Goldman Sachs ) with my Apple XXXX account ( held by Goldman Sachs ). 

Payments from Apple XXXX to Apple Credit card consistently fail the following day. Neither Apple Card support nor Apple Credit support teams are able to help. I've opened 4 separate support calls/chats and each time I'm either told to " try again '' or " it's a known issue ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my SageStream file in XXXX and in XXXX attempted to temporarily lift the security freeze in order to attempt to obtain a loan with a company that used SageStream to verify identity. I contacted SageStream multiple times over the course of three days to attempt to reach them by phone and was unable to reach a live person ; in all cases, I left voicemail messages requesting that they return my call and still heard nothing.

I attempted again, multiple times over the course of three days, to fax a signed letter and proof of identity to the secure fax number that the company provides on their web site in order to have my security freeze temporarily lifted and the fax number was busy all throughout the three day attempt. 

My last resort would be to mail the information to them which would take far too long to reach the company to obtain the loan in a timely manner. 

It is criminal that these companies collect personal information regarding all manner of the lives of citizens and then provide no efficient and timely way to contact the company to protect this information or otherwise correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my equifax credit report, there 's an account that was removed a while back and now it 's been added back. The account is  XXXX   years old.  But there was no notifications sent to me about this and with it being added back to my report it dropped my score dramatically!! I 'm pursuing a job currently so this has the possibility of affecting my chances of employment. The account is   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 IDENTITY THEFT XXXX XXXX XXXX  -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/2020 Suntrust closed my account. On calling them, they admitted that they had closed the account by mistake, and promptly reopened the account, and established the same balance. 

However, online banking was not re-established. I have tried countless times on the call center to have online access re-established, the last time today, speaking to a Ms XXXX. She, and all previous agents, claim that they have insufficient information to be able to create online access. 

I appreciate that the bank must establish my identity when calling, and I am prepared to assist with this process, whatever means necessary. However due to COVID travel restrictions, I am unable to travel to a Suntrust branch. I reside in XXXX XXXX, at the address which the bank has on record. 

All communication regarding this matter was on the telephone, Suntrust does not offer an email helpline. Therefore, I have no supporting documentation to attach.

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 2021-07-12
Company: EQUIFAX, 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:
The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Experian Information Solutions Inc.
State: IL
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:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.

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 2023-08-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We purchased a home and opened an Ikea Projekt card through Comenity Bank to help us finance our home projects. The terms of the card state that purchases over {$500.00} qualify for a 6-month 0 % APR, purchases over {$1000.00} qualify for 12 months at 0 %, and purchases over {$2500.00} qualify for 24 months at 0 % APR. Due to the logistics of our needs, we made 4 purchases, 2 over {$2500.00} that qualified for the 24 months and 2 over {$500.00} that qualified for the 6 months 0 % APR. We are now 2 months into our repayment, and our payments, including the amount over the minimum, are being applied to the largest balances first. We have been told we are not able to designate which balance our payments are applied to, even the excess of the minimum payment, unless we make a payment that pays one of the promotional balances in its entirety. Essentially, to avoid paying interest we have to make lump sum payments in the amounts of the two smaller 6 month amounts, which is a stark contrast to the advertised intention of dividing the cost of a project over a 6 month period. Rather than applying payments to the lowest or nearest term balance, in a way that is beneficial to the consumer, Comenity is insisting their system is only able to apply payments to the highest balances first, essentially guaranteeing that we will accrue interest and not benefit from the financing as advertised. I spent an hour on the phone today, escalated the call three times, finally got a complaint filed with XXXX by XXXX, but she clearly stated that I should not anticipate a follow up from Comenity, as that is not their policy. I would like my payments, especially those above the minimum payment, applied in an equitable manner that is to my benefit as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. Need bankruptcy. XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX XXXX to be removed there is no contract on these accounts, they are unverified and not mine or invalidly reporting.

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