BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I attempted to call AMEX customer service via phone on XX/XX/XXXX and spoke to a supervisor with no success. 
Amount in dispute as of XX/XX/XXXX is {$5500.00}. 

I received the XXXX 10 % cash back offer on my XXXX XXXX card. I possess numerous Authorized accounts that had the same offer. AMEX allows the primary account holder to add additional members to their accounts. Each new member would receive an unique account number and treated as an additional authorized user. I added the offer to each of additional member 's account and made the eligible purchases and received credits. 

On XX/XX/XXXX, I received 42 emails telling me to expect reversals on those credits that I received. As of XX/XX/XXXX I noticed {$5500.00} in reversals. 

The fine print of the offer states the limit was per card member than primary account holder or " card across all Amex Offer channels ''. 

Members receive a notification email for each qualifying purchase. The email states that " if they meet the terms of the offer, you will have successfully redeemed the offer '' by logic, if terms are met AMEX will issue the credit. AMEX proceeds to issue a credit a few business days after the notification email. The credits would serve as a notification that the member qualified for the said offer. 
Members have no reason to doubt they did not the meet the terms of the offer due AMEX issuing the said credits. 

XX/XX/XXXX AMEX decides to change terms and condition of the offer and processes reversals on all the issued credits almost 3 months later. I consider this a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business  Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX, XXXX, EXPERIAN XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX EXPERIAN XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards

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 2019-09-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXXRemoval Date XX/XX/XXXX Business Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX EQUIFAX, XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous EQUIFAX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

EQUIFAX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation ) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on peoples credit report. NMAC is nothing but FRAUD FRAUD FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: Valentine and Kebartas, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
VKI - VALENTINE & KEBARTAS XXXX XXXX XXXX XXXX, Massachusetts Has called multiple times from different phone numbers. They have now started contacting family members which is very unprofessional. They have used XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX. They have called almost over complete 30 days of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

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 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank of America incorrectly reported my account in delinquency due to their own mistakes! The incorrect report ruined my credit score from XXXX to XXXX! Now I can't refi my house with good rate! BOA need fix my credit report ASAP, refund my fee or interest charges! 

I have Credit card form Bank of America. I missed the XXXX payment because I didn't receive the statement. I called and found that I was late for a payment. During the phone call, I tried to make full payment. First I used my debt card, after 10 minutes trying, the customers service told me their system had issue and couldn't take debt card. Then I gave her my checking information as she asked. While she was submitting my payments, the phone disconnected. I thought it's all done after 20 minutes with them. However, two weeks later, I received a notice that I've missed two payments and my credit limit was lowered from {$10000.00} + to basically nothing, {$500.00}. I called again and found out that the previous payment wasn't submitted properly. I made payment again over the phone. The worst thing is that My credit score is totally ruined when I just started to refi my house. 

thanks, 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 monetary relief
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Innaccurate items are being reported on my credit report. It was brought to my attention and I took action over 90 days ago and there still is nothing resolved!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today XX/XX/2019 I received an email that I had a new credit inquiry on my XXXX report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.

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 2021-08-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a text fraud alert on my chase credit card. Clicked the link in the text and provided personal info to include SS # and DOB. 

Later called Chase and they said there was nothing happening on my credit card. 

Heres the text message CHASE-ALERT : we have temporarily locked your chase account, visit at XXXX XXXX XXXXXXXX to recover Mobile # attached to this text was XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several written letters to Hunter Warfield requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications from this company to validate any debts. They continue to erroneously report increases to the balance which negatively impacts my credit score.  Please help as I am getting no where with this company.

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 2019-09-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXXXXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XXXX 3 . XXXX XXXX inquiry date : XXXX 4.  XXXX inquiry date:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I reported fraudulently charged transactions to my credit card company. I was informed that the card issuer successfully resolved the issues and completely chargeback those illegal charges. 
But, it seems that the card company commited a fraud by recharging me for those transactions that were successfully resolved already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2018-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I received an AARP Chase credit card with rewards. I have periodically redeemed the rewards to the monthly payment. On XX/XX/XXXX with a minimum due of {$78.00}, the reward of {$84.00} was redeemed and posted to my card account. Then a {$35.00} late fee was posted. I called customer service and spoke to XXXX who adamantly told me " Rewards can not be used for a minimum payment. '' The 5-fold brochure I originally received with my new card, dated XX/XX/XXXX, advised that rewards may be used for merchandise, AARP membership renewal, travel, gift card and cash ( as checking account deposit or to be applied to the statement ). I have not received any other redemption terms since the one in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2019-09-01
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I requested that Experian verify the accuracy of a bankruptcy that is reporting on my credit report. Experian mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Experian is not telling the truth. I will upload the letter I sent to Experian, the response from Experian, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.

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 2018-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing you regarding XXXX  XXXX  XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.

Company response to consumer: Closed with explanation