BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: AL
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:
Hi, I am writing with a complaint about Chase Sapphire Reserve card benefits. The card is advertised as having travel insurance as one of the free benefits on the card, it is advertised to protect the covered cardmember and his/hers immediate family members while in a scheduled common carrier trip and also for 30 days from the beginning of the trip that the airline tickets were purchased with on this card. My sister has passed away while on a trip that the airfare was in full paid on this card, from a faulty sidewalk by sustaining a brain injury within the 30 days of the covered trip. Less than a week after this accident I have contacted chase 's outsourced company XXXX XXXX it has been already more than 4 months and they still have not sent out the payout for the accident, they try to slow down the process as much as they can. All of the required documentation has been sent out in the first weeks. The biggest problem right now is that the XXXX  agents call from unknown numbers ( taking into consideration that they always send email to notify if any additional documentation is needed or if there is a change to the claim ) and try to fool me and say that the claim should have already been denied and make up fake rules of the benefits that are not listed at all in the guide to benefits to make people give up on the claim. In our case, all the terms and conditions are met. To make sure that the agent was lying and misleading us we called the Benefit administrator with a recorded call and asked about the benefits- he confirmed that we meet all the terms and conditions and saying exactly what is advertised by chase that any trip with purchased airfare up to 30 days is covered if there is the accidental loss of life. With it being almost 5 months since the claim is initiated and it being so hard for us- it is immoral to trick people to deny them the claim, please investigate this! Such a phony business should not be associated with Chase and if it is, don't advertise the benefits that XXXX  will try to trick you out of! The Chase Sapphire Card that costs {$550.00} per year is advertised as a first-class travel card with the best travel benefits - with this kind of service it is a misleading statement and a lie. By advertising this they are committing fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I use XXXX XXXX XXXX  located in XXXX MA XXXX. I was to receive {$6400.00} XXXX  transferred to me from XXXX. My bank uses PNC for international transfers. On XX/XX/XXXX  a transfer was made to PNC bank, however, I was not aware that the account information provided was incorrect, nd funds were never returned to sender. The transfer route was XXXX XXXX in XXXX, to XXXX XXXX  in XXXX, to PNC Bank. Due to the account error information, the funds never reached XXXX XXXX XXXX  and therefore myself. PNC never returned the funds. XXXX XXXX and XXXX XXXX  placed an inquiry and trace indicated funds successfully transferred to PNC. PNC has not responded to any XXXX XXXX  that was sent providing the correct information nor a request to pull funds back. I have caled my bank numerous times as well as PNC neither have been helpful. PNC will not look into it because I am not a customer and XXXX XXXX XXXX  states PNC will not communicate with them since their information was not provided in the transaction. The XXXX bank and XXXX bank are not able to do anything more than request funds returned, and they have stated they have not received any communication from PNC at all. XXXX  stated PNC received {$6400.00} XXXX  on XX/XX/2021 at XXXX. I did have some communication with PNC escalation group, who were also struggling to receive return communication from their wire department, but they stated they could not locate and there was nothing else they could do. The XXXX code was correct, however, I provided my own bank account number in the transfer, I did not include XXXX XXXX XXXX  information. Essentially, the transfer should have been made to PNC with XXXX XXXX XXXX  account ( since XXXXXXXX XXXX XXXX is PNC customer ), then my information as the final beneficiary. The funds should have been returned but were not. 

Return my funds so that it can be sent with the correct information to complete the transaction successfully. I have spent a lot of time and energy to get this resolved and I am not sure what else to do in this case. The money can't just disappear and it belongs to me not PNC. Awful business practice that they are not able to help me because I am not a customer. I also feel as though my personal bank, XXXX XXXX XXXX, was lacking to support me or assist me with this matter, especially since they are PNC 's customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: OH
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 obtained a XXXX Mastercard a couple of months ago-under the promotion of 0 % APR until XX/XX/2023. 

I have used the card several times and have been charged interest the past 2 months. 

I called today and spoke to XXXX XXXX, on XX/XX/2023 and this employee acknowledged I was under the promotion correctly, and I was charged interest wrong. She said she could refund me only 1 month of the wrongly accrued interest. I told her this wasn't acceptable and I needed them to refund both of their errors. She said that wasn't possible. I asked her why they lie then because the email that I got reminding me was that it was still 0 % APR until XXXX. She said she wasn't sure, but did acknowledge that it was a lie. I asked her what was a lie and she put me on hold for a couple of minutes without telling me and finally got back to me and I told her I would be filing a complaint unless they refunded the money that they lied to me about the promotion. 

She put me on hold again and I do not have all day to sit and wait for a manager or supervisor to come to the phone and argue with them. 

This employee admitted that I wasn't charged correctly but still refused to refund the money. 

I was lied to by this company about their APR and when it ended and what it covered. What this employee said doesn't match what is in my email or what I signed up for.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.

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 2019-03-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Since XX/XX/XXXX I have requested to the financial institution a letter of pay off. They have said that they have sent the letter since that day. And today I called to reassure of the letter and they do not want to send me the letter by email. They are saying that they have sent the letter by mail. To me it is very important to have this letter in my possession that states that I owe nothing to Westlake Financial and to make sure that the balance is XXXX in my account. So it can be reported to the credit bureau. Today I received a Marshall to reposes the vehicle. Which I understand is incorrect. This case me XXXX because Westlake is not working on the right way. The first thing they had to send that letter it was me. The person that I spoke today of the compliance dealer told me that they had nothing to do with that. When as of right now I do not have any evidence that in reality the dealership repurchased the contract for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Fidelity National Information Services, Inc. (FNIS)
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: Investigation took more than 30 days

Complaint:
I noticed some inaccurate information on my ChexSytems report that needs to be deleted for inaccuracy and unverifiability.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with TransUnion and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted TransUnion, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.

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 2019-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 have completely given up on XXXX  bankcard customer service. 

I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. 

So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks. When they didn't, I called them.

And, believe it or not, they said that too much time had passed ( 117 ) between the charges and today, so they couldn't be helpful. Half of the 117 days were waiting for XXXX to investigate the charges. So, I asked to speak to her Supervisor as was told they would get back to me within 48 hours. They make it so difficult and make you jump through so many hoops to file and see through unauthorized charges. 

All of the charges are from the same company : XXXX All of the charges were from XXXX, XXXX and XXXX, XXXX. 

The date of my first call to dispute these charges was XX/XX/XXXX. I have the phone receipts of when I made each call and how long each call was.

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 2018-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
2 of the 3 Credit Bureaus, including Equifax and XXXX, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: CITIBANK, N.A.
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:
I had fraud committed against me and reported it to XXXX, XXXX  and Citi card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.

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 2020-10-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as recentas XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13
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: Information belongs to someone else

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 U.S.C 1681. ACCOUNT Name : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from Equifax and XXXX basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the English language why my credit score has dropped that huge amount. Have reviewed credit report that XXXX sent and it has not changed. Equifax did not even send credit report to review. This is ridiculous. I complain. I want an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NH
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 was a victim of fraud and have submitted dispute requests both electronically and by mail. Under the 609 act I have the right to receive documents with my signature as well as all charges. I did not receive the requested information I require this information in order to further investigate the perpetrator that ruined my credit forever.

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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am disputing the reporting of a 30-day-late payment to the credit bureaus by XXXX XXXX XXXX. This is in relation to an auto loan for which I am the co-signor. The auto loan is my dad 's - it is for his car and he makes all of the payments ( $ XXXX ). 

Something happened where my dad 's payment ( XX/XX/XXXX ) got returned, he didn't realize it, and so he became overdue past 30 days for the month and it was reported to the Credit Bureaus. It was at this point I became aware there was an issue because my credit score took a sharp dip. I was never contacted about the late payment before it was reported. I got in-touch with XXXX/my dad and we got it all worked out immediately. The account was brought back to current within the next pay period ( XX/XX/XXXX ). 

With the account current, I explained the situation to XXXX and asked them to remove the reported missed payment ( just for ME ) but they refused. They said that they do not do courtesy removals per policy. I tried disputing with TransUnion but they told me there's nothing they can do if the creditor refuses to remove the item. 

I am looking to shop for a mortgage soon and so repairing my credit is paramount. This late payment reported by XXXX is the single negative mark on my credit record but has caused a significant drop in my score. I just can't believe I am getting stuck with a detrimental " missed payment '' on my record when I was never contacted about a payment being late prior to it being reported ( on an account that's not even my own, no less ).

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 2022-08-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was affected by the Equifax data breach I didnt consent

Company response to consumer: Closed with explanation